**If both entries are accurate and still within the reporting period, “Ignore—no dispute” is the honest choice. Selecting it won’t itself trigger removal.** I can’t confirm whether Lexington’s plan includes a separate goodwill request for items you mark “ignore.”

Assuming this is a U.S. credit report, disputes address inaccurate or incomplete reporting. Taking responsibility for the debt still leaves room to check whether the reported balance, payment dates, and account status are correct. You can dispute actual errors yourself for free. Most negative information stays on your report for seven years, though some categories remain longer. [CFPB guidance](https://www.consumerfinance.gov/ask-cfpb/is-it-possible-to-remove-accurate-negative-information-from-my-credit-report-en-1249/)

Here’s how I’d interpret those choices:

- **Verify item:** Requests an investigation; verification can leave the entry in place.
- **Not mine:** Use only if the account genuinely belongs to someone else.
- **Never late:** Use only if the reported late payment is incorrect.
- **Ignore—no dispute:** Leaves that item out of the dispute process.

**A goodwill letter is a separate request to the creditor.** For a genuine late payment, you acknowledge what happened, explain any circumstances, and ask the creditor to voluntarily remove the late-payment notation. The creditor may decline, and removal is never guaranteed. You can send that 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 becomes paid, ask Lexington: “These entries are accurate. Does my plan include goodwill requests for items marked ‘ignore,’ and what exactly will you do for them?” Their answer will help you decide whether the service is worth paying for.