Amy is right, that 2nd secured card will help alot with utilization. Also, it will help your credit line mix…I think I saw on one of the websites, one of my positives and I didn’t have many, was that I have two major branded credit cards (or something to that affect). Also, that Average age of accounts is very important. New accounts are good especially when you don’t have too many at one time, but they usually make your score dip (just a little)and it recovers gradually as time goes on if there aren’t any other factors keeping it from increasing. You might even see a couple of points go away from an account being deleted. Don’t fret, it’s usually dealing with your AAoA whether it was a positive or negative account. But we all know that getting a negative acct deleted from our reports is the best.
With new positve accounts growing (aging) and negative accts being deleted or just getting older (doesn’t affect the reports as much as it gets older) your score will increase….any new accounts need to age….give it a year at least and work on the negative if you can.
Also are you going to check your FICO to see where you really stand? I had a 57 points difference one time in my Fako and FICO score and my FICO was higher!