They appear just when you think you are going to get through your pregnancy without them!
You go to bed one night with no stretch marks not even a sign and than the next morning SURPRISE they are there!
Well thats what happened to me anyway - i think i was about 37wks when i got them!!!
I just have them on the front of my belly!
Ditto!!!

I thought I was going to make it through without them and then they appeared I think around 34-35weeks and were underneath my belly in front. I couldnt actually see them unless I looked in the mirror and I have to say now that my bump is gone, they look worse, however I know that they will fade and I have a gorgeous little girl because of them.