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People on creditboard forum might be more apt at answering your question.

Generally speaking i would say pay off the debt you have. Find a way to pay off your delinquent line of credit and see if you can work out with the bank whether they will remove the delinquency if you pay it off in full. Use your discover card but pay off most of the balance (leave $10) before statement hits each day.

The fact that you have a lot of student loan debt should not damage your credit as long as you are making the payments on time.

Probably no reason to apply for another card since you do have one card and an installment loan (your student loan) that you can grow. Plus you probably would not be approved for anything else with such low scores. You could try to get a store card with shopping card trick but I do not get more than one or two of those.

It's the baddies holding you back - working on those should be your priority.

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