I signed up for Score Watch (you guys should have told me to do that sooner

) and found some useful info.
Under the "What’s hurting your FICO score" section:
Number of your accounts that were ever 60 days late or worse: 1 account
Some Chase credit card account shows some months 120 days overdue for a number of months back in 2002. This was not mine but it gives me something to work with.
Your most recent late payment happened 3 months ago
Yes I did miss a car payment while fiddling around setting up on-line bill payments. I forgot about that one.
Number of your accounts with a missed payment or a derogatory description: 2 accounts
I'm assuming this is the total of the first two items because I don't see any other accounts listed on my report.
So now I have to work on the Chase credit card. Interestingly none of this was shown on the Equifax credit report. Thanks for all the help.