I will really appreciate anyone can help me.
My score is 582 and 582 and the other one is 660. I need to increase it very fast to get a car loan. I only have one credit card of $1000 limit and paid off over $900 this month and the car loan of $4000 ( $400 per month and 9 months left to be paid off). In the past i have settled few accounts and there is no negative items on it. My wife owns a card have a balance of $6000 and also my father's balance is $4000 on another credit card. There were additional cards on my name from both the cards ( from my wife and father) but i have called them and removed my name.
can someone help / guide me to improve and increase my score? and how long will it take?