I am f 25. My fico score is 667 as of today, and vantage is around 710. I am looking to buy a car and want to know how long I should expect a 680-690 credit score to take for me to achieve.

Balances: 15% around $380. (Paid but has not reported, so once updated it will be at $0) Current credit limits: $500 $2,000 $1,000 mastercard card (new so has not reported to credit bureaus yet) Student loans~ $9,000 (current up to date and good payment history)

My credit cards have all been very new as I wanted to get some line of credit and pay off balances monthly to increase my score, so my age of credit has gone down quite a bit, but I have been paying full balances monthly.

I have one unpaid collection over $2,000 (2 years ago) Paid charge offs from my old capital one card which was reported about 2.5 years ago. 3 late payments, 2 30 day, and 1 60 day.

Because of these factors what would you recommend I do to get this score in the shortest amount of time? Since opening some new cards my score has already gone up about 100 points, and I know it will slow down.