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Registered: ‎03-12-2007

Guide To Common Abbreviations

[ Edited ]

Common Abbreviations


AA = Adverse Action

AAoA = Average Age of Accounts

AF = Annual Fee

AFAIK = As far as I know

AG = Attorney General

APR = Annual Percentage Rate

AR = Account Review

AU = Authorized User

BADDIE = Any negative or derogatory item on your report

BBB = Better Business Bureau

BK = Bankruptcy

BT = Balance Transfer

BTW = By the way

BUMP = Used by someone when they are looking for an answer to the thread, but have not received one yet

CA = Collection Agency

CBR = Credit Bureau Report

CC = Credit Card

CCC = Credit Card Company

CCCS = Consumer Credit Counseling Services

CFL = Consumer Finance Loan

CL = Credit Limit

CLD = Credit Line Decrease

CLI = Credit Line Increase

CMRRR = Certified Mail Return Receipt Requested

CMS = Credit Monitoring Service

CO = Charge Off

CRA = Credit Reporting Agency ( TransUnion, Equifax, Experian)

CRO = Credit Repair Organization

CRTP = Credit Reporting Time Period

Derog = Derogatory

DH = Dear Husband

DMP = Debt Management Program

DOFD = Date of First Delinquency

DOLA = Date of Last Activity

DTI = Debt to Income

DV = Debt Validation

DW = Dear Wife

EO = Executive Office

EQ (also EFX) = Equifax

EX (also EXP, XPN) = Experian

FA = Fraud Alert

FAKO = Generic credit score, not a true FICO

FC = Foreclosure

FCBA = Fair Credit Billing Act

FCRA = Fair Credit Reporting Act

FDCPA = Fair Debt Collections Practices Act

FI = Fair Isaac

FR = Financial Review

FTC = Federal Trade Commision

FWIW = For What It's Worth

GC = Green Card from Certified Mail

GL = Good Luck

GW = Good Will

HELOC = Home Equity Line of Credit

HIPAA = Health Insurance Portability and Accountability Act

HP = Hard Pull (Inquiry)

IIB = Included in Bankruptcy

IIRC = If I Recall Correctly

IME = In my experience

IMHO = In My Humble Opinion

IMO = In My Opinion

ITS = Intend to Sue

JDB = Junk Debt Buyer

JK = Just Kidding

LOC = Line of Credit

LOL = Laughing Out Loud

LTV = Loan to Value

MF = Monthly Fee

OC = Original Collector or Original Creditor

OP = Original Poster

OT = Off Topic

PC = Product Change

PFB = Planet Feedback

PFD = Pay For Delete

PIF = Pay in Full

PL = Personal Loan

PM = Private Message

PP = Permissible Purpose

PR = Public Record

RECON = Reconsideration

SCT = Shopping Cart Trick

SOCK DRAWER Aka SD = Where you put CC's that you won't be using for a while

SOL = Statue of limitations

SP = Soft Pull (inquiry)

RTC101T= Read the Credit 101 Thread

SW = ScoreWatch

TC = TrueCredit

TD = Turned Down

TL = Tradeline.. An entry in your credit history.

TU = TransUnion

Util = Utilization

WO = Write Off

YMMV = Your Mileage May Vary

Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa

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