Are they reporting RECENT late payments? Or are those late payments with a 5 year old date?
And did you settle the debt eventually, or do you still owe them? In the latter case what you actually have is likely a charge-off, which will significantly hurt yours score.
The good news is that they should all drop off your report after 7 years, so you have worst case 2 more years to go before things are looking crisp and clean.
BTW, great job on turning things around! Your score was likely in the trash 5 years ago and it sounds like you've done a great job rebuilding it, even if you weren't looking at the number. It'll keep climbing as you keep paying your bills and it will only be another 2 years before that stuff is gone.
One word of warning--if you get back in touch with those creditors BE CAREFUL about doing anything that would be considered acknowledging the debt. You could call and ask them questions, etc., but don't explicitly acknowledge you owe the money and definitely don't do anything in writing that would acknowledge it, unless you have carefully read the rebuilding forum here and seen how to handle that properly. You could then look at something like a pay for deletion deal if you still owe them -- but just be careful there and educate yourself. Otherwise they could report that debt as fresh again, and while it would still drop off after 7 years, my understanding is it could seriously damage your score in the meantime!
