Areas of improvement?

[Lndsy747]

Credit. Fico score according to Walmart 646

Accounts:
1. First Financial Bank CC - charged off limit 5800 show balance as 7200 will come off report in June
2. Capital one CC - 343/3250 opened 12/2012
3. Capital one CC - 0/2400 opened 05/2012
4. Capital one CC - 0/2000 opened 1/2013
5. Walmart card - 33/600 opened 5/2014
6. Student loans $5,400
7. Collection for $128 from 2010(attempting PFD) only on experian

Thank you everyone! I've only posted a few times but I'm obsessed with these forums. I've learned a lot and gone from a 580 to 646 in the last year. I'm trying to buy a home next summer once the charge off drops off my report. How much of an increase do you think I'll see when that happens? Any tips on how to improve credit profile for next summer?

[Anonymous]

Are those your only baddies? I'm guessing the charge off is over 6 years old? To be honest it seems like there has to be something else holding your scores back. I have a more recent charge off and late payment and mine are higher, doesn't make sense.
Also, not sure what kinda boost you'd see when that falls off. I know when I had a recent collection removed I saw an 80+ jump from every bureau. Good luck.