Is the charge off paid? If not pay it otherwise you should probably just garden and let stuff age. Utilization should be under 8.9% but you are not far off it now.
You are taking a hit by not having a loan. Opening it would likely help your scores in the near term, but once it's paid off then you would take the no open installment loan hit. Opening one may help you get some CLI's which could help pad the utilization.
When is the last time it updated on your reports? You could try a pay for delete which would be ideal if they would accept one. Paid always looks better, but keep in mind if it has not updated for a while, then paying it would update and would likely cause a dip in scores. Any drop would only be temporary and allow you to come back stronger later as it ages.
Yeh, a pay for delete gets it gone completely. That is what you ideally want. Since its been a few years and this is under a 100 bucks, then it may not be hurting you bad. I'm not sure if you should poke the bear or not. Most mortgage underwriters will not approve anything without you paying off any outstanding collections so you may run into that if its not paid. Perhaps some others will have some better advice on what to do here.