You don't want all revolving credit cards reporting a zero. The AmEx charge card is not used in the FICO scoring algorithm. Use one of your major bank cards like Capital One. Let it post a small amount like $10-$20. Then pay it after the close date. You should see a score increase.
Address your charge off/collection when you are able or hope it fall off your report in 7 years. The lenders that are reporting every month, it's going to sting every month.
Those mortgage lates are going to hurt your score too until they fall off or you set up a good will writing campaign.
Good luck.
