**Choosing “Ignore—no dispute” does not itself get the item removed or request goodwill.** From the wording, it appears to tell Lexington to leave that item out of its disputes; you would 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 removal of accurate, current negative information. Most negative information can remain 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/)

Those choices appear to mean:

- **Verify item:** Request an investigation into the reporting. Verification does not guarantee deletion.
- **Not mine:** Claim the account does not belong to you.
- **Never late:** Challenge the reported late payments.
- **Ignore—no dispute:** Leave the item unchallenged.

Don’t select “Not mine” or “Never late” if they aren’t true. But owing the debt doesn’t necessarily mean every reported detail is correct: check the balance, dates, payment history and account status. You can dispute actual 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**, acknowledging the late payment and asking for a courtesy adjustment. You can explain any circumstances, how you’ve brought the account current, and what you’ve changed. The creditor may decline; removal is not guaranteed, and you can make the request yourself. [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 also rebuild while those entries remain: consistent on-time payments and lower credit-card balances help. A 593 score doesn’t have to be permanent. [CFPB rebuilding guidance](https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/how-to-rebuild-your-credit/)