* Two medical accounts totaling $1200 paid off in Sept.; reporting since
* Credit card reported 30,60,90 between Dec 2012 & Feb 2013
These should be the biggest negatives on your account. The 90d late will be gone in December, so if goodwills do not work, It won't stay on much longer anyway.
The medical accounts, should be excludable if you write the CRA and tell them they are paid medical debts. I believe paid medicals no longer count against, but this is a recent development, so I might be misunderstanding.
I good thread going into further detail on what was said in the post above can be found at the link below: