\[20c^{6}d^{7} - 5c^{2}d =\]
\[= 5c^{2}d\left( 4c^{4}d^{6} - 1 \right) =\]
\[= 5c^{2}d\left( 2c^{2}d^{3} - 1 \right)\left( 2c^{2}d^{3} + 1 \right).\]