So, the only credit card you had you defaulted on and you have no other lines of credit to show positive payment history? Well, that is certainly recoverable but I'm not certain how any lender is going to want to lend to you without any positive credit history at all and the only thing on the report is the credit card collection. You made a great first step at getting the secured card. You need two others for maximum score. You also need a good mix of credit - revolving and installment - to maximize your score. Even a small personal loan like $1000 from a credit union. As others suggested, I would definitely visit the rebuilding forum. I know it's not what you want to hear, but for you I think it's not just about the score but about being able to prove you can manage debt responsibly. With your income, it's hard to believe you don't have other credit but it may just mean you pay everything in cash. Which actually is not a bad thing. But a bank then doesn't have any kind of record of good payment history and they won't be apt to hand over hundreds of thousands of dollars. Spend some time building your profile up, prove to yourself even that you can manage debt responsibly, and then your score will shoot up. In 6 months you will be sitting at a much better place.
Trust me. I'm rebuilding now and it sucks. Your profile is very near clean and buidling it up won't be nearly as hard as it is for me (who is recovering from past mistakes).
