always noticed that looking at one of my indivdual bureau reports, i have 4 lates on 4 student loans showing on CCT in the accounts ever late section. but looking at the actual bureau report shows 8 student loans and 8 lates. 4 of these loans are transferred loans/closed, not sure if that has anything to do with why they dont show on CCT in that accounts ever late section. Anyone have any insight? of course i go by the actual bureau report. Another question. The loans in question have dates of late from April 2010 to July 2010 a period of 4 months. Would they fall off in April or July assuming they fall after 7 years? thx..