u/Existing-Baby-7074

I have a charge off of about $400 for 2 years now, I just paid off a $1,200 collection that is fairly new and am having it paid for delete so that should be off my credit score in a month. Should I pay off the charge off or just wait another 5 years for it to fall off. My FICO score is currently 635 so I’m hoping when that collection is off it’ll severely raise my score please help with advice.