Charge offs and score

Does a foreclosure lower a credit score any more than a regular charge off? I also read hear that the recency of deliquency plays and important part on score. Is the date used the date of last activity for charge offs or the last time they reported deliquency?

Sorry, don't have an answer on the foreclosure.

The date of the last delinquency should be the date used by scores, but it could also be the date of last activity, or some other date.

And of course scores include outstanding and/or delinquent balances in the balance/limit ratio.