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Judge Dred (Fred)You can have it graded by PSA with and without qualifiers. If you have it with qualifiers then you can probably expect at least one to two grades lower than your prediction (if it is the same as PSA standards). If you have the MK (mark) qualifier then it will come back (as you stated) a 4 or 5 with the MK qualifier.
If you go to SGC then you will definitely have to deal with the lower grade because they do not offer qualifiers.
You might consider trying to erase the pencil marks if they are truly very light and the pencil did not leave an indention in the paper. If there is an indention then it will be downgraded to reflect the defect (if caught).