Yeah, so say you were once irresponsible and took out too many credit cards and didn't bother to pay them for a couple years and most went to collections but then you paid all of them, either in full or by settlement, and this is reflected on your credit report by the time you apply for GradPlus, will you get them? Please only answer if you know and please don't copy paste the adverse history thing about 90 days delinquent OR default determination, etc. etc. etc. Please let me know if you had collection accounts on your credit report and you paid them off and were approved...thanks