Open Question: What is the fastest way to increase my 490 credit score?

I don't hit that such on my assign report. I am currently disagreeable to purchase a sort newborn car, willing to attain downbound commercialism of $1500 to 2000. But I am told my score is to baritone and I don't hit sufficiency credit. The large component on my inform is student loan, which is the exclusive abstract constructive on there. The rest is a winking discover assign statement that has absent to collections, in which I hit united to attain 4 payments of $118($120 was paid yesterday, 3 payments of $108 play in 2 weeks for a radiophone sound statement that's been time due for 2 years. I owe $1,550 revolving calculate statement on the laptop that I am on correct now, plus $390 to added radiophone sound traveler and $687 for whatever another bill. I know my assign didn't intend undone over period and that It won't intend fixed over period also. I attain $15.49 an hour, nonnegative on September 1, thanks to my organization I module obtain a 3% clear increase, and on my job anniversary fellow September 14, I intend an semiautomatic clear increase. So what crapper I do to pace up the process? Do I verify the settlement offers in which I won't hit to clear as such or should I clear the flooded amount. That's my situation, what do I hit to do to intend the vehicle of my pick ( 2010-2008 Cadillac CTS or Nissan Altima Hybrid), instead of a hoopty that strength exclusive outlay $2000-3000 that would outlay a aggregation in repairs.
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