My last two baddies.... any advice?

[esmer0924]

ADVERSE ACCOUNTS
Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled.
HONDA FIN DALLAS REG BR  # 3625 W ROYAL LN STE 100 IRVING, TX 75063 (800) 533-0580 Date Opened: 12/04/2006 Responsibility: Joint Account Account Type: Installment Account Loan Type: AUTOMOBILE Balance: $0 Date Updated: 12/19/2007 High Balance: $24,368 Pay Status: >Account paid in Full; was a Charge-off< Terms: $509 per month, paid Monthly for 72 months Date Closed: 12/19/2007 >Maximum Delinquency of 90 days in 10/2007< Remarks: >PAID IN FULL/WAS A CHARGE OFF< Estimated month and year that this item will be removed: 08/2014   11/2007 10/2007 09/2007 08/2007 07/2007 06/2007 05/2007 04/2007 03/2007 02/2007 Rating 60 90 X OK OK OK OK OK OK OK   01/2007                   Rating OK
HSBC BEST BUY  # PO BOX 30253 SALT LAKE CITY, UT 84130 (800) 695-6950 Date Opened: 08/20/2006 Responsibility: Joint Account Account Type: Revolving Account Loan Type: CHARGE ACCOUNT Balance: $0 Date Updated: 08/10/2007 Payment Received: $3,093 Last Payment Made: 08/10/2007 High Balance: $3,866 Credit Limit: $3,000 Pay Status: Current; Paid or Paying as Agreed Terms: Paid Monthly Date Closed: 08/10/2007 Date Paid: 08/10/2007 Remarks: ACCT INFO DISPUTED BY CONSUMR; >SETTLED-LESS THAN FULL BLNC<; CLOSED Estimated month and year that this item will be removed: 07/2014

[superdad]

Let them age off, you could try a GW letter on the lates

[esmer0924]

If I sent a good will for the lates will that help my score any?

[guiness56]

90 day lates are major derogatories and impact your score for almost 7 years.  It could help getting those removed.  Not sure how much.

[esmer0924]

Great thank you

I will work on goodwill letters for those lates now!

[esmer0924]

So I have had no lunck with my GW Letters

Looks like I will have to just wait it out until August 2014 to buy a new home.  The only thing is that I just found out I might be expecting and I would be due in March 2014 if everything goes well.

[swtneka]

Congrats on the baby, my only advice is to keep GW. Find different people higher up n d company n tell them your story.