Three months ago my scores were right where yours are. I had a car loan at 30% interest and 2 Credit One Bank Cards. Got a second job, paid off my collections, and now have a new car with a loan at 8%, and just got a few cards with a combined total limit of around $6k.
Give it time. When you're at the bottom, that's when you can make the most progress quickly!! Everyone is right, get that Discover card, and keep feeding it. Pay it in full monthly, and your scores will shoot up in no time.
