The absolute, first thing I suggest is what was suggested earlier.
Take each account reportring to your CR, and provide the date and severity of each and every delinquency reported. It is not enough to just say "I had some derogs."
You cant plan credit/FICO repair without this.
List each OC account. List the date and severity of each delinquency under that account. A 90-day late implies both a prior 30 and 60-day late, and all affect your score. A 90-day late is a major derog. Multiple derogs, at whatever level, are your biggest albatross now.
List whether each OC account is currently in paid, good standing, delinquent, or closed.
That simple listing spells out your credit repair focus
You can then add 7 years to the date of each individual monthly delinquency on each OC account. That tells you when it will fall from your CR due to its own old age, without you having to do anything. For those old monthly deliquencies that are not soon to drop of their own old age, then you can use GW letters to try to get their earlier deleition. Come back here for advice on how to request their deletion.
Score improvement will come from addressing each prior delinquency. FICO scores each derog, not each account.
