Don't underestimate the pop up flash. Try this neat trick in harsh sunlight: Go to Manual mode, adjust your aperture to f/22, ISO 200, and shutter speed to 1/250. Now pop up your flash, go into the menu and adjust the flash exposure compensation to +2 stops. Now get about 4-6 feet from your subject. If it's sunrise or sunset put the sun right behind your subject. Now focus and take the picture. Might be suprised by the results ;-)


Look at your histogram. You're at least a full stop underexposed.scorpion_tyr
I got home and tried these settings that you suggested. Here are the two shots that I took. I didn't get the sun directly behind her because I was getting the spots on her face. I cloned out the couple that I got.
Was this what you were talking about or close?
IMG_4942 by Ron_Lane, on Flickr
IMG_4941 by Ron_Lane, on Flickr