Choosing “Ignore—no dispute” doesn’t remove the item or request goodwill. The wording suggests it tells Lexington to leave that item out of its disputes. You’ll need to confirm whether your plan separately includes goodwill requests.

Assuming this is a U.S. credit report, disputes address inaccurate or incomplete reporting. Lexington has no special power to force the removal of accurate, current negative information. Most negative information can stay on your report for seven years. [CFPB guidance](https://www.consumerfinance.gov/ask-cfpb/is-it-possible-to-remove-accurate-negative-information-from-my-credit-report-en-1249/)

The choices appear to mean:

- “Verify item”: Request an investigation into the reporting. Verification doesn’t guarantee deletion.
- “Not mine”: Say the account doesn’t belong to you.
- “Never late”: Challenge the reported late payments.
- “Ignore—no dispute”: Leave the item unchallenged.

Only select “Not mine” or “Never late” if that’s true. Even if you owe the debt, the reported details could contain errors. Check the balance, dates, payment history and account status. You can dispute errors yourself for free. [FTC guidance](https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports)

A goodwill letter is a separate request to the creditor. You acknowledge the late payment and ask for a courtesy adjustment, explaining the circumstances, how you brought the account current and what you’ve changed. You can send it yourself, though the creditor may decline and removal isn’t guaranteed. [Experian’s explanation](https://www.experian.com/blogs/ask-experian/how-can-i-remove-late-payments-from-my-credit-report/)

Before the trial ends, ask Lexington: “If I mark both items ‘Ignore,’ what work will you do? Do you send goodwill requests, and what fees will I incur?”

You can work on improving your 593 score while those entries remain. Consistent on-time payments and lower credit-card balances can help rebuild your credit. [CFPB rebuilding guidance](https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/how-to-rebuild-your-credit/)