I've searched and read in this forum, and I gather that disputing Sallie Mae can take you from the frying pan into the fire. I have 7 Sallie Mae loans consolidated into one. Was laid off a few years ago and had some late loan payments. Went into a repayment plan with USA Loans, one of Sallie Mae's branches, and brought loan current. I now have more than a year of perfect (and HIGH!) payment with Sallie Mae.

TU and EQ are reporting one tradeline for Sallie Mae, showing lates from 2005 but as current/perfectly paid/never late for the past 2 years, which is correct.

EX shows three tradelines for the same loan - 2 tradelines show up as derogs and as transferred to another lender, and one shows as positive - current, perfectly paid, and never late.

Should I even attempt to contact Sallie Mae or EX about the discrepancy? I've read several threads where success was obtained and several threads where warnings were given about even more negative information being reported when someone disputed a Sallie Mae tradeline.

This is the only real derog left on my reports and I'd like to do something to correct it, if the experts here think it's advisable. Thanks for your help!