How do you guys decided between "Not Mine" and "Never Late"? I have four lines of credit I want cleaned up. Capital One - Creditor closed - R1 - 19 months Famous Barr - Consumer Closed - R1 - 34 months Illinois Power - Consumer Closed - O5 - 22 months Providian - Creditor closed - R1 - 24 months You can see them here on my CSC report Thanks Matt
