Equifax FICO calculator - Payments towards Charged-off Credit card

[Anonymous]

Currently have an Equifax FICO of 589. Theres a credit card thats been charged off with a balance of  ~$1700. Equifax score similator says that 1 payment of $50 will put my score in a range from 609 to 639. While only considering the posible jump to 609, how realistic is Equifax's estimate?

This is roughly whats on my report:

Mortgage $200K  - only 2 months old, pays as agreed

paid tax lien - 15 months old

charged off car loan - 30 months since first delinquency

collection account (Charter $130) - 70 months

collection account (credit card $2K) - 48 months

charged off credit card (credit card $1700) - 30 months

[llecs]

Seems unrealistic. Do you have any other CCs? Is this CO reporting a CL, and if so, what CL is that?

[CS800]

I only have one charge off on my CR that I paid in full about 3 weeks ago.

When I used the simlator, it told me that if i paid the collection in full i would gain about 15 points. So far i haven't seen that.

[Anonymous]

I'm sorry, but I don't believe anything that Equifax tells me anymore, I've received better advice from Loan Officer's (Mortgage)..we are in the process of purchasing a home.