So, if I read this correctly, they dinged you with 42 separate reported events of 90+ lates? Did you get out of sync on your payments somehow? Because that would really be the only explanation, since 42 payments is basically 3.5 years.
What has happened to some folks in the past, they miss one payment, it goes 90 days so they have 3 missed payments, they start making payments again, and it is credited to the first missed payment, not the more recent two. Those recent two begin to age, so the second missed payment gets the second late payment, records a 90 day late and stops, but the most recent payment starts counting a 30 - 60 - 90 series until it is shown "paid" in two or 3 months.
This might be something to consider emailing the Capital One EO to see about consolidating those. It's really only the first payment that gets 90 days late, because after that, technically the payments are being made. Contacting them about consolidating also helps to cure the most recent lates, since they may be considered "on time" and removed, not reported as 90 days late anymore.
It's going to be a chore to solve, but in answer to your original question, with all these baddies polluting your report, any score analysis is not going to give you any usable answers.
Ok, that may be in the real world, but on your credit report (at least one bureau) it shows a boatload of 90 day lates? Or I misread that in your original post?
All the individual negatives on your file contribute to the reductions in scores. You may know them as something like one event, but if they get reported multiple times, they are multiple events as far as the scoring model works. You may see one of them fall off, but if 41 remain, you have to wait for all 41 to fall off, or take action to remove them by contacting the CCC.