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The Credit Score (also known as your MyFico score) is calculated with the following breakdown:
* 35% - Payment History
* 30% - Credit to Debt Ratio
* 15% - Credit History
* 10% - New Credit
* 10% - Credit Types in Use
A credit car is a good idea for improve your credit.
I found interesting information about your answer & credit card options here. http://all-debt-consolidation-loan.blogspot.com/2007/07/chase-credit-cards.htmlGood luck!
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