Hello, everyone-- At the link below is the definition of "adverse credit history" WRT Grad Plus loans. http://www.law.cornell.edu/cfr/text/34/685.200 (search "adverse") And here we have a leaflet from ed.gov saying much the same thing: http://www.ifap.ed.gov/dlbulletins/attachments/DLB0703Attach.pdf Question 1. I have a credit card that reports as "closed by grantor" to all three credit bureaus. I am now current with my payments, which go to the credit card company itself, so everything else in the entry reads fine, "pays as agreed," etc. Nothing says "charge off." Is there any possible