Do you have any remaining collections? Was the collection that came off paid with a $0 balance? If not, what was the amount of the collection? I had a charge off removed when I first started building credit and gained 30 or so points because there was a $3k balance associated with it. This balance was affecting utilization on top of it being reported as a bad account. I also had a small medical collection removed that didn't change my score any. The score didn't change because I still have one medical collection for $150 sitting there to fall off in 9 months.
There is a huge gap in my scores. TU removed the $150 collection when I disputed it. EX and EQ didn't. I gained 56 points for that last collection. I have seen a range of 30-70, depending on the type and balance when the last collection comes off. I do agree the scoring system has its quirks that do not make sense.
