Administrator Emeritus
Posts: 4,443
Registered: ‎03-01-2007
Common Abbreviations
[ Edited ]

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

RTC101T= Read the Credit 101 Thread

SCT = Shopping Cart Trick; pop-up CC pre-approval during a checkout process

SD = "Sock Drawer" = Where you put CC's that you won't be using for a while

SOL = Statute of limitations
SP = Soft Pull

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


Formerly consumer affairs manager, media spokesman and myFICO Forums community manager at FICO, I'm now freelance writing for, where you can find my stories on the home page every Thursday, and my own site,