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My Sallie Mae accounts have been broken up into 6 separate tradelines and all of which are showing lates. I'm assuming each of the lines are having a negative impact on my score.Is there any way you can work with the SM to get them combined into one account number or trade line?
You could look into consolidating, if that would be easier in terms of making future payments.
Right...and a consolidation is in order at some point, but all those tradelines would remain and hurt my score. A bit of wishful thinking on my part I'm sure but my question is strictly about trade lines.
Without a consolidation there's no way to combine them. And you're correct in that this wouldn't help you with the lates that have already happened.