I would say to start off by disputing the collection acct. If it's paid, they may not care to verify it with the CRAs.
Also take a look at how the collection acct is reporting. If there are ANY inaccuracies at all, you can send the CA a letter asking for validation of the debt (even if it's been paid)....and state that it is being reported incorrectly.
For the lates, you may want to try a goodwill letter which is basically writing the company and letting them know why you were late, beg for forgiveness and that it will never happen again.
Some people have actually had luck with gw letters......it's worth a try.
You can also try disputing as never late.
HTH
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