Help! How to rapidly increase my TU Fico by 5 points?

[CRedditQueen]

Hi all, I desperately need to get my middle FICO to 740 ASAP to avoid a significantly more expensive mortgage (scores are 720, 735, 741).  My property is in a building with a lot of issues so if I can't get my score up I'll have to go with an unconventional type of lender that will charge huge fees up front. Does anyone have any suggestions?  

I have 3 credit cards in my own name and 1 AU for a family member.  I JUST improved my credit score 5 points this week by paying off two of my cards completely (carrying a high balance on one) and getting off-cycle reporting from the CC but it didnt get to 740.

Right now I have the following: 

*Mortgage ~900k,Debt-to-Credit ratio: 94% (cosigned)

*Cards (5 open, 2 with balance): Discover Credit Card 1: 0 balance Chase Credit Card 2: $ 100 balance Discover 2 (Authorized user not in my name)  $1300 balance Wells Fargo platinum: Zero balance    Debt-to-Credit ratio across all revolving: 1%

*Installment (Student) Loans (1 open, 1 with balance): Navient, $3032 balance,  Debt-to-Credit ratio: 15%

*Total Debt-to-Credit Ratio: 1%

What's dragging my score down:  A series of 4 late payments in a row (30, 60 day) from Paypal 2 years ago that I've disputed and tried to get removed, to no avail yet 

Inquiries:  11 in a row (lol), all from different lenders 

Dispute -- I disputed my old Paypal/Sync late payments because some of them have incorrect information and dates, and there were some questions around whether I had been notified properly. Reported to CFPB and got a notification that it could take up to 30 days to resolve which is time I definitely don't have.

Any ideas what I can do here to get a quick 5 point boost? 

-Could I pay off my student loans and request an off cycle report from Navient (is that a thing), or will that ruin my credit mix? 

-Could I prepay my mortgage a bit more to pull down that ratio and have that bank report the payments? 

-Get one of the two CCs with balance to zero (I was trying to do AZEO but forgot I was an AU on another person's account and that has a balance.  Does that count against me for the AZEO method?  If we pay that card off and have them do an off-cycle report will that boost my FICO? 

Thank you SO MUCH in advance!  I am absolutely desperate and wish I understood Mortgage credit scores two months ago, but like many people I was bamboozled by the high scores I see on my FICO 8, and the stuff you see on free credit card score reports. 

[MissLiz]

I don't know if you'll gain 5 points on your mortgage scores, but AZEO is a good bet, plus Disco will do an off-cycle report so I would start there. 

[JoeRockhead]

AZE0 is your best bet with one recolver (not a store card and not a charge card) reporting under 9% UTI, but..  do not have all your AU cards report zero as there is a separate all zero penalty for all AU cards reporting zero. 

[CRedditQueen]

Wow - so I'm an AU on only one account, and I have 3 cards solely in my name.  I didnt realize earlier AU was relevant to my score.

Do you recommend I do this for AZEO: keep a small <8% CL balance on the AU ONLY, and zero out the other three in my name?  (This is all so confusing!)

[JoeRockhead]

@CRedditQueen No, you'll need to keep a small balance on one of your own cards (under 9%) otherwise, you'll get dinged 20 to 30 points for all zero balances on your accounts

In addition let the single AU card also report a small balance to avoid an all zero penalty on AU accounts (usually only around 5 points)... they are separate penalties.