Charge offs and progress question

[dgerdber]

I recently got serious about fixing my credit. I started with about 4 collections and 3 charge offs. I am now down to 1 paid In settlement collection on my credit. And 3 charge off but $0 balance on my credit. One of my charge offs hit me with a collection in addition to the charge off. Anyhow with me still having charge offs in  paid status on my credit and 1 paid collection is that why my score hasn't increased? I've read once you get all collections removed that's when you see a score increase. but will it matter if I do get the last collection removed with the charge offs still on report? Are charge offs looked at like collections? I'm planning on sending my last on credit collection goodwill letters to have it removed but not sure if it matters with charge offs paid on my credit?

[Blender]

Correct, you will likely stay in a small range until that very last one ages. I was where you are at now and they do seem to affect your credit all 7 years.

[FireMedic1]

With CO's. You get a small bump because your util %'s went down as you paid them off. As long as a CO is listed. Its ranked right under a BK but gone in 7 yrs after the DoFD.