A number of factors are hurting your scores, most of which you can do little or nothing about.
1) 30 days late's - those won't necessarily disqualify you from a mortgage (if they had occurred in the past year, they probably would), but they are harming your scores. A GW letter is really your only option.
2) collections - in fact, by settling with one of them, you may have harmed your score - while it will drop-off at it's scheduled time, the only data displayed is what is called the Date of Last Activity (DOLA). By settling that collection, the DOLA would have updated to the settlement date, and it winds up looking like a more recent collection than it actually is (both to the FICO scoring system and to the lenders).
3) Credit usage. You're at 67% usage on your revolving credit. This is one factor you can quickly do something about to get points. Pay it down to 10% or below and you should see a significant increase in your scores.
4) FICO likes to see different types of cards. If your only credit card is a store card, it would help to have a VISA/MC type card. However, if you're planning on buying soon, applying for and receiving a card would initially likely lower your score (temporarily), so it's probably not a good idea now (it would have been a good idea a year or two ago).
It is possible you could get the points you need by simply paying your CC down to a low utilization. Hard to tell, as you have wide variance in your scores.
Good luck,
SD Engineer
