Common Abbreviations
AA = Adverse Action
AAoA = Average Age of Accounts
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
CO = Charge Off
CR = Credit Report
CRA = Credit Reporting Agency ( TransUnion, Equifax, Experian)
CRO = Credit Repair Organization
CRTP = Credit Reporting Time Period
CS = Customer Service or CreditSecure(R) (depends on context)
CSR = Customer Service Representative
DD = Dear Daughter
Derog = Derogatory
DH = Dear Husband
DMP = Debt Management Program
DOFD = Date of First Delinquency
DOLA = Date of Last Activity
DS = Dear Son
DTI = Debt to Income
DV = Debt Validation
DW = Dear Wife
EQ (also EFX) = Equifax
EX (also EXP, XPN) = Experian
FA = Fraud Alert
FAKO = Generic credit score, not a true FICO
FC = Foreclosure
FCRA = Fair Credit Reporting Act
FDCPA = Fair Debt Collections Practices Act
FI = Fair Isaac
FR = Financial Review
FSR, FS&R = Friendly, Supportive & Respectful
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
HTH = Hope This Helps
IIB = Included in Bankruptcy
IME = In my experience
IMHO = In My Humble Opinion
IMO = In My Opinion
INQ = Inquiry
ITS = Intend to Sue
JDB = Junk Debt Buyer
JK = Just Kidding
JMHO = Just My Humble Opinion
JMO = Just My Opinion
LOC = Line of Credit
LOL = Laughing Out Loud
LTV = Loan to Value
OC = Original Collector or Original Creditor
OP = Original Poster or Original Post
MOV = Method of Validation
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
SOCK DRAWER = Where you put CC's that you won't be using for a while
SOL = Statute of limitations
SP = Soft Pull
RTC101T= Read the Credit 101 Thread
SW = ScoreWatch
TC = TrueCredit
TD = Turned Down
TL = Tradeline.. An entry in your credit history.
TU = TransUnion
UTL, UTIL = Utilization of debt to credit line
WO = Write Off
YMMV = Your Mileage May Vary
Message Edited by fused on 11-23-2009 08:31 AM
Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
