@Anonymous wrote:
Those late payments take 7 years to drop off right? Yes each late in an otherwise current account drops at the 7 year mark.
However, is it worth writing GW to remove them, at least the student loan 90 day ones that have been paid off? Yes
I am an AU on a card with a $25k CL. It appears on Experian and does not appear on TransUnion. Otherwise, those two credit reports have the same stuff, so I am in good position to see how it affects my scores. Last month, the AU card had 35% utilization, and my Experian and TransUnion scores were about the same, so I'd say 35% is roughly break-even. This month, the AU card is down to about 24% utilization, and my Experian score is 24 points higher than my TransUnion score. I am not aware of anything else different on the two reports yet (number of inquiries is a bit different, but that hasn't changed recently). My Apple Card isn't reporting on TU yet, if anyone's wondering. Once it does, that will muddy the waters a bit.
I am looking forward to meeting ficoplayer3, ficoplayer4 and the whole ficoplayer family! 
LOL 
hope I do not have to create any more accounts. I believe the AU TL's show up on all 3 CR. But given what you said with the util maybe it would boost my score?
Based on my experience, I would guess that it'll be a net negative if the utilization is above 35% and a net positive if the utilization is below 35%. Roughly break-even at 35%. However, that may be profile-dependent, and should only be taken as a guess.
As a preface, your scores aren't bad. I think it depends on what you want to achieve with credit over the next few years. If you are, for example, trying to buy a house, that might create incentive to work on the derogatory items. If you just want "decent" credit and you have the credit cards you need, or what have you, that might suggest waiting for the derogs to fall off in a couple years.
Also, I don't know anything about student loans. There are some experts here on that topic who will hopefully chime in.
That said, my thought would be to work on the 90-day-lates via pay for delete and/or goodwill saturation method; to get removed from the authorized user cards if you expect the balances to stay where they are; and to add missing pieces to your profile as required. I wouldn't worry about the 30-day lates for now. Maybe later. 30-day lates are not very severe.
By missing pieces, I mean, you get a scoring bonus if you have at least three bank cards. You get a scoring bonus if you have multiple types of accounts, such as cards + car loan. If you don't have or want a car loan, you can emulate its scoring advantage with a secured installment loan from Self Lender or other lenders.