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      Does anybody know if there is diffrent buckets for people have 30 COA and CO compared to somebody who has one or two* that are over 4 years old? I had 3 CO and 4 collections. Now I am down to one Charge off and one paid collection that are over 4 years old. I would think that I look like a saint to someone with over 10 collections. Im wondering because It seems that you cant break 720 with a anykind of charge off. Im sitting at the 660 area and other than those two baddies on my report Its pretty clean. when I run the fico simulator for a year of payments it gives me a 720 to 740 but those wont fall off for another three years so it does seem I will be put into another bucket very soon. Any thoughts on this.

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