AG = Attorney General
ARM = Adjustable Rate Mortgage
AR = Account Review (soft pulls by creditors)
AU = Authorized User
BBB = Better Business Bureau
Beacon Score = See FICO.
BK = Bankruptcy
BK13 = Chapter 13 Bankruptcy
BK7 = Chapter 7 Bankruptcy
BT = Balance Transfer
BT promo = A BT at a promotional rate.
bumpage = pushing hard inquiries off your reports via daily credit pulls
C&D = Cease and Desist Notice (stop collections)
C&D Full/Blanket = Notice to CA not to contact you in ANY way. You should only use if SOL is out.
C&D Limited = Notice to CA to only contact you by mail.
CA = Collection Agency
CAP 1 = Capital One
CB = Credit Bureau
CBR = Credit Bureau Report
CC = Credit Card
CCC = Credit Card Company
CCCS = Consumer Credit Counseling Services
CE Score = CreditExpert score.
Ch = Chapter
Choppage = A CRA may delete inquires before you get to the bumpage point.
CK = Credit Keeper
CL = Credit Limit
CLOAKING/SUPPRESSED = The CRA won't "EVER" let the information be put back on your report by the credit card or loan company or the collection agency.
CM = Certified Mail
CMRRR = Certified Mail Return Receipt Requested
Compliance Date = See FCRA Compliance Date.
CO = Charge off OR Collections
CR = Credit Report
CR = Credit Repair
CRA = Credit Reporting Agency
CRO= Credit Repair Organization
CRRR = Certified mail, Return Receipt Requested
CS = CreditSecure (Experian's (via AMEX) 3-in-1 report)
CU = Credit Union
CW = Credit Whore
CW = Credit Watch
DC = Debt Collector
DDA = Direct Deposit Account
Derog = Derogatory tradeline = an item on your credit file that is negative in any way.
DF = Data Furnisher (also FOI)
DH = Debtors Husband (also Dear Husband)
DMP = Debt Management Plan
DOI = Department of Insurance
DOFD= Date of First Delinquency
DOLA = Date of Last Activity
DTI = Debt to Income
DV = Debt Validation (what you want CA or OC to do) and Debt Verification (what CRA does--or so they say)
DW = Debtors Wife (also Dear Wife)
EFT = Electronic Funds Transfer
E-Oscar = Electronic program data furnishers use to communicate with CRA's
EQ = Equifax
EQ CWG = Equifax Credit Watch Gold
ETA= Edited to Add
EX = Experian
Experica = Similar to FICO, as reported by Trans Union.
FACTA= Fair and Accurate Credit Transaction Act. Revisions to FCRA
Fair Isaac = Similar to FICO, as reported by Experian.
FCBA = Fair Credit Billing Act
FCRA = Fair Credit Reporting Act
FCRA Compliance Date = Often called "DOFD", the date the reporting SOL is based off of (See DOFD).
FDCPA = Fair Debt Collection Practices Act
FHA = Federal Housing Administration
FICO = Fair Isaac Company, the company that created the mathematical formula used to score credit worthiness of consumers
FICO = Fair Isaac score
FIFO = First In, First Out. Usually refers to how your letters are answered.
FOI = Furnisher of Information
Freddie Mac = Federal Home Loan Mortgage Corporation (FHLM)
F/R = Financial Review. Creditor locking your account down until you provide further financial info to support your CLs (common AMEX term).
FRCP = Federal Rules of Civil Procedure
FTC = Federal Trade Commission.
GC = Green Card from Certified Mail
Goodwill adjustment = Adjustment made to your credit report in response to your Goodwill letter.
GW = Goodwill letter
Hard Inquiry = Inquiry visible to others and counted in your credit score.
HELOC = Home Equity Line of Credit
HIPAA = Health Insurance Portability & Accountability Act of 1996,Public Law 104-191
IIB = Included In Bankruptcy
Inq = Inquiry
ITS = Intent To Sue
JDB = Junk Debt Buyer
L/N = Lexis/Nexis (Another sneaky CRA-type)
LOC = Line of credit
MCK = My Credit Keeper
OC = Original creditor
OP = Original Post or Poster
PFD = Pay for Deletion
PG = PrivacyGuard.com
PIF = Paid In Full
PMI = Private Mortgage Insurance
PP = Permissible Purpose (to pull your credit report)
PR = Procedural Request--request how CRA verified
RCP= Rules of Civil Procedure
RE = Restrictive Endorsement (contractual check)
RR = Return Reciept
RRR = Return Reciept Requested
SASE = Self-Addressed Stamped Envelope
SIF = Settled In Full
SOL = Statute of limitations
TILA = Truth in Lending Act
TL = Tradeline
TU = TransUnion
UCC = Uniformed Commercial Code
UDF = Universal Data Form