I had a charge off with last day of payment as Sept 9, 2011. The total was $ 668, is it possible that it lowered my score by paying $ 200 on it reported on Nov 28, 2016? That means that I bought the date of last activity current right? I’m trying to get mortgage ready and not trying to get surprised, some loan officers say pay it others say don’t since it’s under $ 1000. I still owe $ 468 do I need to go ahead and finish paying it since I started and then possibly see if they would delete it? The manager said he didn’t know but we could try to ask the home office to delete it.