How screwed am I

Long story short cause I'm too upset to type right now.

Credit was a 740, got a car and motorcycle loan and it went down to 680 or so (I've never missed a payment, no problem on that end).

I let my parents take out a car loan in my name cause their credit is trashed and they needed the help. $5k beater that broke down, they brought it back to dealer and got the loan closed out no issue.

Then they open a $15k loan for a new car in my name, no cosign, don't even tell me. I've given them time to get it refinanced and out of my name, which they're being extremely slow on. they just had a rough month and missed a payment.

My credit dropped from a 680 to a whopping 658 FICO in a day. they're paying the missed payment tomorrow and going to go to the bank to get a refinance after I ripped them a new one.

I'm looking to lease an apartment in the next 2-3 months (currently in military barracks). How long do you think it'll take for my credit to recover? and how screwed do I sound on getting an apartment.. (for reference, I can pay first month's and deposit no issue. my finances are fine, it's just this damn loan)