Credit repaid help

Hi,

In 2012 and early 2013 I had some life circumstances that resulted in me getting behind in my credit card payments (late payments) and eventually I was unable to pay my 2 bank credit card bills which were then send to collection agencies.

I ended up paying a portion of the amount owing and the account was settled and closed, along with the bank account attached to it.

1st credit card settled and closed mid 2012.

2nd credit card settled and closed end of Dec 2012 but not reported as such until Feb 2013.

Once this occurred, my score dropped into the low 500s.

March 2013 - I opened a Capital One credit card with a $1,000 limit. I have paid off the card every month, tried to keep the balance below 30% and no late payments.

August 2013 - I opened a secured credit card with a $1,000 limit. Again, paid off in full every month, keep balance low and no late payments.

In 6 years I have had 2 hard inquiries to my credit.

However, I noticed that the hard inquiry for this latest credit card dropped my score by 13 points. Is such a large dropped normal for a credit inquiry?

My score is now currently sitting at 639 and despite very good behavior for the last few years on my part it doesn't seem to want to rise much. Any advice on how I can get it above 680 or into the 700's within the next year? Is that even possible?

Also I've noticed that 2 cell phone accounts (all paid in full/no problems) that I closed in 2002 (so 13 years ago) are still on my credit report - I thought nothing older than 7 years is supposed to be on the credit report?

Thanks in advance for any help or advice offered, much appreciated :)
- Kate