After the one & only collection was deleted off my credit report,that was only reporting to Equifax, my Equifax FICO shot up till 592! Lender pull EQ was 511 on 9/4/13. I checked Transunion as well since the charge off was now reporting a $0 balance & was being factored in my utilization & it's now 602 from Lender pull of 579,that's a gain of +23!!! Finally headed in the right direction!! Now off to send GW's to GE Capital till they cave!!