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How merchandise cards fix your credit score

A lot has been discussed about ways to improve the credit score. It is confirmed that merchandise cards used to buy merchandise online assures a quick recovery. But still for a better understanding one has to understand how this score is calculated. One of the prime factors that influence your score is Debt to Credit Ratio. The ratio is same as it looks, the ratio of amount you have taken divided by you maximum credit limit. This number should be as low as possible (amount taken should be less and limit should be high).

As you pay off the amount the ratio gets lowered. Getting a new credit card increases you credit limit, since the amount is stacked. Increased limit also lower the number significantly. But companies will not issue you cards if you already have a bad credit; the solution is line of merchandise credit cards. The only thing you have to do is deposit an amount and shop accordingly. You status is reported to credit bureaus and this appears in your score in no time. A lot of people have chosen this method to fix their score. That is why it still stands as the most effective method.