I had two collections that were reporting monthly that destroyed my scores. I was only getting 5 points max a month in increases across all FICO and FAKO monitoring services. Once I paid them off and they reported as paid in full my scores shot up 30-70 pts with FICO and FAKO monitoring. My largest increase to date since adding secured cards when I had no real credit cards.
I wish I had tried a Pay for Delete first so now I'm trying to Goodwill them off. Paying them off really helped my scores though. I could be unique regarding this scoring aspect but yours is due to fall off soon so I'm sure you could PFD it or at least get those nasty monthly updates gotten rid of which would help and then you could get it off through Goodwill, let if fall off or even try a 6 month early with the bureaus. You seem to be in a much better place than I was, especially now so I would think it would help you greatly to negotiate or at least pay it.
Just from my experience. There are many on here who have done similar things and may have better tips etc. Don't worry they'll post eventually. Its usually slower on the weekend.
I forgot to add. If your collection account is already reporting monthly then you are already taking that hit like I was. Once it's paid it starts aging and your scores increase. They can't change the original date though and when it's supposed to fall off. All they can do is update the balance to 0 or paid or settled in full. Since you're getting the monthly hits anyways definitely try for a PFD. You can also try to goodwill those car lates. If you had extenuating circumstances just try to tell them. You never know, they could delete them just send a letter monthly.
From what I have researched you can do everything Lexington Law does by yourself and you have the gratification of doing it. Plus they will sometimes cause more problems with creditors than its worth.
From the human aspect, they would rather deal with you, the creditor, than deal with some company that represents you.
Lexington Law will also take long times to do things in order to get more money out of you.
Don't worry, you are not getting off track. You are just looking for recomendations. You will not be hit for that.
There are many on here who have crazy amounts of experience. Would you mind listing some of your accounts that you currently have?
List your major derogatories such as Charge Offs, Liens, Collections etc so they can help guide you.
Plus list some of your revolving credit accounts, installment loan accounts, mortgage (if any) etc.
You can also list your oldest account plus your average age of accounts.
List your Utilization and your limits per card etc.
Don't forget lates 30, 60, 90 120+ etc.
This way the members on here can give you better recommendations with your current profile and what you need to do to start boosting your scores. You look like you have a bunch of stuff about to fall off. If thats true, once those are gone and you have some of your own revolving credit accounts and installment loans that report with good history then your score should start going up.