<prompt> Human: I am posting this from my throwaway account. Anyways my good friend spilled the beans on his credit to me looking for advice how to proceed. His credit score is 487. He has a limited report. His utilization rate is 168. His payment history is 100 History is 4 mos old and he has one collection. Ill breakdown each one for clarity.Utilization rate: He started working at the shop and was given an employee account. It has a 250 dollar limit. However his car had winter tires on it so he ordered a set of new tires on it. Which led to exceeding the limit which they allowed as a favor so he is paying based on that and hence the high balance over the actual limit.Payment history: His account is current and has a history of 4 payments. All on time and exceeding the minimum.The 1 collection: He doesnt recognize where or whence it came. Its for 357. Here is the question. He wants to buy a 12k used car but will only have about 1k down up to 2k depending if his family will help. He wanted to see what he can do to quickly improve his score before mid September so he can try to secure a loan for this car. Please and thanks for the advice.  <response>: He isnt going to quickly improve his score.He is going to buy a less expensive car.Then he is going to pay off all of his debts and start saving money. He is going to pay cash for things. 