agency, or other holder of the loan shall request any consumer reporting agency to which the Secretary, guaranty agency or holder, as applicable, reported the default of the loan, to remove any adverse item of information relating to such loan from the borrower’s credit history. . (f) Default reduction program Section 428F(a)(1)(C) of the Higher Education Act of 1965 ( 20 U.S.C. 1078–6(a)(1)(C) ) is amended by striking to remove the record of the default from the borrower's credit history and inserting to remove any adverse item of information relating to such loan from the borrower’s credit history . 3. Truth in Lending Act amendments (a) In general The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) is amended— (1) in section 128 ( 15 U.S.C. 1638 )— (A) in subsection (e)— (i) in the subsection heading, by striking private