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Is the forgiveness letter method the best and quickest chance/way?
Your input would be appreciated
Gw letters to the EO would be best.
Are they legitimate lates, or do you contest them?
If you have basis for contesting, then if recent, you can dispute under the Fair Credit Billing Act (FCBA).
FCBA disputes provide for documention requirements on the part of the creditor that not required under an FCRA dispute, and are the preferable path.
If beyond the dispute periods under the FCBA, you can file disputes of their accuracy under the FCRA.
If they are legitimate, then GW requests are the appropriate path.