Is that collection reporting as paid or showing a balance?  You need some sort of revolv to get some more positive TLs on your report.  Your file is too thin and any bad will drag it way down.  Have you looked at getting a secured card or two?

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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