Possible early exclusions for the only 2 negative accounts on my report?

Hello all,

I have a 2 accounts on my reports, 1 a credit card and the other an auto loan both from USAA in 2013, that are set to fall off March of next year according to my transunion credit report. I have heard of early exclusions and being able to get them off of my reports that way within certain time periods of them falling off. Does anyone have experience or advice on what to do with this? I float around a 660 at the moment and would love to knock these 2 accounts off sooner rather than later so I can finally use my VA home loan and buy our family a house. Thanks in advance