Answer: -Does that secured card report to a credit bureau? Which one? How often? Most don't, so if this one doesn't, it won't help your credit at all. -Secured credit cards generally do not report to your credit report. There is no way you can predict on how long it will take it to build back up....and something significant had to have happened for your score to be lowered that much.As far as how many points per month it will raise, NO ONE can give you that information. Credit scoring methods are propriatory information, and are not published nor made available to the public by the credit repositories that compile the scores. -You need to get a store credit card with a small credit limit like:$250 - $500.1) Use only 50% of your credit limit, never pass 50%.2) Pay on-time everytime! even few days before the due date.3) Wait 6 Months, Check your credit score again. -Check out information on www.americanloansearch.com. Most important thing is never have late payments or over drawn. Web site will give suggestions that may help get some derogatory marks off you report.