No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
From my understanding they can't, that's what I've read on this site. Once you file they can't collect from you anyway.
Dispute it ASAP. There should be no lates after the file date.
I started to dispute accounts on my credit reports as soon as I filed which worked out in my favor because some of the creditors didn't respond and the entire credit line was deleted from my reports. So, if I was you I will do it now but I guess it up to you. Either way the late payment is wrong and it should be deleted.