I just pulled my three reports and noticed that there are Sallie Mae lates on two of them that had never reported Sallie Mae before (Exp and Eq). Needless to say, my credit took a pretty big hit, since they went from no lates to many. Any idea why these reports would show up after such a long time (they have NEVER been on my Exp report before)?

There were some posts on the general credit forum a week ago. Sallie Mae is now reporting to all 3 bureaus.