http://www.clarkhoward.com/news/clar...t-score/nTWGX/
a quick blurb, but around 45% (15+30) has to do with number of lines, utilation rate, and open accounts vs closed.......i think you could raise your score pretty drastically by just having more accounts, higher limits and keepingyour utilaztion rate at zero like it is now.......just use them every few months and pay them off.
ill try to find a link about the secured aspect