Disputing will likely ding your scores when it updates as "verified".
What you need to do is look into EE (early exclusion).
October 1st would be early enough to request it from TU, if they list "estimated date of removal" as 4/2021.
You would likely need to wait 3 more months to request EE from EX (so possibly Jan). You would need the "on record until date" and you can request it 1 month prior to that date. It is one month because they already automatically give you 2 months of EE in the "on record until" date.
EQ is a disaster waiting to happen if you request EE from them. It is only 1 month, anyway, and many reports of derogd aging off naturally 1-4 months early, making requesting EE from them moot.
I would pull all 3 CRs from annual credit report for free. They are the only source with these specific dates for TU and EX.
For EE you need to call in and not do it via disputing, as disputing is seperate from requesting EE and will likely cause the account to come back verified. I have had this happen previously.
Lastly, is the 120d late where the citi card got CO'd or closed as a negative account? Or was the account brought current after that? If it was brought current after the 120d late, then the entire TL will not be removed, just the single late alone and you cannot request EE for lates, as it is only to remove entire derog TLs, such as COs, CAs, Repos, FCs, and BKs.
The AMEX may qualify for EE in the near future since that was a CO. Even paid, it is still a CO and once that is gone, it should help.
Even if the 120d late falls off, they may be concerned about the more recent lates within the past 2 years, especially.
I think the GW request is an excellent idea to see about getting the more recent lates off. The singular 30d late from Jan might have a good shot since it was isolated.
Good luck!
