Unfortunately, most credit card companies will mark you late when under a repayment plan even if you paid 100% on time during that plan. The rationale is that you are paying less per the terms of the org. agreement and therefore the lates pile on up to the point you get caught up. Now if they indicated a willingness to remove the lates then that's certainly a step in the right direction. Whenever possible, try to commit them to providing a written mention that they'll remove the lates. I'd wait it out 30-45 days after they promised to remove the lates, recheck each credit report, and then write them via a GW letter.
The "R/F" mention on your CR is actually a glitch. I believe they are working on it, but there's no impact on your score. There are a couple of recent posts that said the same. I remember this happened to me about 3 years ago. I had at least one TL with a 120 day late and one day it got changed to "R/F". I didn't panic because I knew a CC couldn't be foreclosed on but IIRC it was explained to me that it was a glitch with the way the reports look. If you pull your report directly from the CRA (e.g. annualcreditreport.com), you won't see any mention of a repo/foreclosure on that CC.
