This term is used to describe a person who has a history of defaulting on credit repayments or has county court judgments or has been declared bankrupt.

A less-than favorable history of payments by a loan applicant.

An applicant for a Direct PLUS Consolidation Loan has an adverse credit history when he or she is 90 days or more delinquent on any debt or has been the subject of a default determination, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or write-off of a Title IV debt during the five years preceding the date of the credit report.

An adverse credit history is something that a person will have if they have failed to make the required repayments to creditors in the past. Often items of credit that are registered as defaults or ccjs can remain on your credit history for years.

Adverse Credit History, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history and bad credit history, is a negative credit rating.