Try to maintain under 10% instead of 20% - it should boost your scores more.
My scores, as of 10/29, were EQ-654, TU-624, EX-623. I have 2 collections on EQ & TU, and 6 on EX (3 are getting deleted soon though). None will be falling off until about 2018-2019. I probably have about 3-4 charge offs as well. I have 2 cards with a combined limit of $2100 and just got an auto loan this month.
For the ones falling off in 2015 - I guess you have 2 options, depending how soon you want them off your report:
1) You could offer the collection agency payment in return for them deleting the tradeline from your report. Look up pay for delete on the forum.
2) You could just wait and let it fall off the report.
Either way, you're likely past the SOL (double check that to be sure), so you legally can't be sued for it - some may still try though.
For the others, I'd say research the collection agencies to see if any of them will do a pay for delete - some won't(like the 2 on my TU & EQ report). If you find one that does them, send them a letter too. If you can, tackle the more recent collections first. Just know that they aren't obligated to accept a PFD, and if you're within the SOL, they may try to file a suit against you. So it's a risky venture within the SOL.
I'm not sure there really is a "best" score, since there's many variables to consider. Maybe 700 would be a tough shot with collections, but again, can't say that definitively. Focus on cleaning up your report, and your score will follow.
