I'll make this brief. I have depression--it comes and goes--and it was during one of these bouts of depression that I let a $500 Capital One credit card go to collections. Stupid, I know. But if you have ever struggled with D or know someone who has, you might understand . I've since paid the card off, but the damage is done. Anyway, that's ALL that is on my credit record. I would really like to get my credit score up. It's around 530 right now. I know that I should get a secured card or two. Is there anything else I should be doing? Thanks!