onechannel wrote:If there is nothing that I can do to repair my standing with them, will that standing return to neutral once seven years since the closures happened has passed?
That's exactly what I was going to recommend: time. If you still owe anything on any of the accounts still held by the creditors I'd recommend paying in full - but it may be too late if they've been sold off to third-party collection agencies. Short of making sure to pay off any debts you have remaining I think your best bet is to just wait and give it time.
One other option you might explore is to send them "goodwill letters." I've never done one, but you should be able to Google about them if you're interested. As I understand it the letter basically asks them to remove the derogatory information - it may or may not works, and usually depends on whether or not the debt is paid and other circumstances, as well as just the particular creditor's willingness to do it.
Honestly though, if everything's now paid off I'd just sit tight for several years. Take the magic 8-ball approach and ask again later
At least it sounds like you've already got pretty good other credit options.