*shakes fist in jealousy*
Just kidding, congrats! I've gone from 630 up to 720, but it took quite a bit longer. Charge-offs are bad enough, but it's worse when both the credit card company *and* the collector claim that they can't delete the (paid-off) account because they don't have control over it, resulting in the dang thing sitting on your report until it ages off... Grr... It *just* fell off, so I hope to see faster progress with it gone. I want to see if I hit 740 over the next few reporting cycles.
