I am new to the MyFICO FORUM and I am hoping to get some advice on how I can rebuild my credit. Before I started correcting my credit. I had 3 charge-off & 1 collection. I settled 2 charge-off on my report and I just started a payment arrangement on my last charge-off. I also I paid off my collection as well. After doing this I did see my score drop & then slower increase. Hopefully, I just learned that My FICO score is different than the SCORES.. Guess my question is what else can I do, to see improvements in those scores as well.