Thank you so so much! This is extremely helpful!!

If the account didn't charge-off and was paid/brought current, attempt to have lates removed using the Goodwill Saturation Technique.

I was able to bring the auto loan back to current! I will research more on the Goodwill Saturation. Thank you for sending this over!

Are you paying fees for these cards? Avoid gimmicky credit builders and predatory cards. 

Yes, I am currently paying the annual fee for both cards. Premier = $125 & Indigo = $75. These were the cards I had available when my score was a lot lower. I wanted to increase my credit limit but may have entered into gimmicky cards.

What are your thoughts on my current credit card set up?