I have 3 credit cards. All new within the last 4 months. Paid on time. With utilization below 30%. Also have a car payment that is new and paid on time. My credit seems to have flatlined around 680(fico). I also have student loans that defaulted 4 years ago, but are in good standing today.
How can i improve my score into the 700’s? I do not have the cash flow to pay down my car or student loans right now.