Re: Credit Cards- Paying off old delinquent credit cards
Paying any collection won't help your FICO. However, for some, if the charged-off CC still reports a balance and a CL and is updating regularly, and the utilization from that charged-off CC is hurting their overall util, then paying that bad CC can potentially improve your score.
For the car loan, do you have any other open loans reporting? If so, you probably won't see any score change when paid off. There might be a slight chance of an increase if most of your accounts are reporting a balance. FICO likes to see most of your accounts at $0.