It seems like something is missing from your credit picture here. Considering that everything is current now and low utilization %, good credit mix, and that it's been 2 years since any late payments (and the late payments weren't even THAT bad really, they apparently didn't result in chargeoffs or go to collections), your scores should be MUCH higher than that, like easily in the 700's.
Are you sure there aren't any collections on your report? public records? Anything that's reporting something derogatory every month? There must be something missing from this picture, because the way you describe your credit profile, it should definitely not be stuck at 590.
Are these FICO scores? or is it something like a vantagescore?
2 paid collections accounts. One was $607 and one was $112.
Other than that I have old accounts that have been closed for years from back when I knew nothing about credit but those have been marked as charged off and paid.
A couple thoughts:
1) "Charged off and paid". This isn't a good thing. Those are negative items which will continue to depress your scores. As you said, time will heal those wounds. How old are they?
2) With whom are the old charge offs and colleections? some folsk here can offer specific GW advice perhaps. Yopu said you've tried ... may need to try again.
3) That single card reporting 10% each month? That's really good. But how bout letting it report 8% instead? Might be worth a try.
Fundamentally, you have said: "My reports look good ... except all these things." Well, time needs to heal all those things. Believe me, I have been there more than once.
I understand the 10% is on one card. Try making it look like 8% .... not 10% reporting. Nothing to lose, something small to gain. (It IS reporting right? You aren't PIF before it reports.)
HFS and C1 are tough. I'd still make the good effort.
Are the scores you reported FICO 08s?