• <bump> used by someone when they are looking for an answer to the thread, but have not received one yet, and the thread itself is getting pushed back to the second page, where members are less likely to see/read it.Feel free to "bump" your post to the top by replying to your own message and typing <bump> in the body of your reply.
  
  
• AA Adverse Action. Account closure, interest rate increase or Credit limit decrease from a credit issuer.
• A.G. - State Attorney General
• AU - Authorized User
• B - Bump (See <bump>)
• Baddies - Negative information on your credit report.
• Beacon - See FICO.
• BBB - Better Business Bureau
• BK7 - Chapter 7 Bankruptcy
• BK13 - Chapter 13 Bankruptcy
• Blanket C & D - Notice not to contact in ANY way. You should only use if SOL is out.
• BT - Balance Transfer.
• BT promo - A BT at a promotional rate.
• BTW - By the way
• <bump> - used by someone when they are looking for an answer to the thread, but have not received
• one yet, and the thread itself is getting pushed back to the second page, where members are less likely
• to see/read it. Feel free to "bump" your post to the top by replying to your own message and typing
• <bump> in the body of your reply.
• Bumpage - Pull your own credit report multiple times to �bump� hard inquiries off your report.
• C & D - Cease & Desist
• CA - Collection Agency
• CAP 1 - Capital One
• CC - Credit Card.
• CCC - Credit Card Company
• CCCS - Consumer Credit Counseling Services
• CE Score - CreditExpert score.
• Ch - Chapter
• C.H.O.D CreditNet Holiday Onslaught of Disputes
• Choppage - A Credit Reporting Agency will stop �chop� your inquiries before they reach the required
• �bumpage� number to delete hard inquiries.
• Citi Backdoor Double - Rapidly applying for multiple Citibank CC products with the intention of combining their CL's. No longer effective?
• 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.
• CLOD - Creditnet Laborday Onslaught of Disputes
• CO - charge off
• CR - Credit Report
• CRA's - Credit Reporting Agency
• CRRR - Certified mail, Return Receipt Requested
• C.S.O.D. - CreditNet Summer Onslaught of Disputes
• CW - Credit Watch, a monitoring service offered by Equifax
• Derog - Derogatory tradeline = an item on your credit file that is negative in any way.
• DH - Dear Husband
• DOLA - Date of Last activity
• DOFD - Date of first delinquency
• DV - Dispute & validate
• DW - Dear Wife
• EQ - Equifax. Another CRA.
• Estoppel - Precludes someone from denying the truth of a fact which has been determined in an official proceeding or by an authoritative body.
• Estoppel Letter - See www.creditboards.com/index.php?showtopic=16439 and
  www.creditboards.com/index.php?showtopic=8806 for examples.
• EXP (or EX) - Experian. Another CRA.
• Experica - Similar to FICO, as reported by Trans Union.
• Fair Isaac - Similar to FICO, as reported by Experian.
• FAKO - Similar to FICO score only done by a CRA--FAKE SCORES.
• FCBA - Fair Credit Billing Act
• FCRA - Fair Credit Reporting Act
• FDCPA - Fair Debt Collection Practices Act
• FICO score - Fair Isaac. Also known as.... BEACON. 500's: You have a lot of work to do. 600's: You're not done yet. 700's: You're golden. 800's: You're God.
• FIFO - First In, First Out. Usually refers to how your letters are answered.
• FTC - Federal Trade Commission.
• GC - Green Card from Certified Mail
• Goodwill adjustment - Adjustment made to your credit report in response to your Goodwill letter.
• Goodwill letter - correspondence or letter created by Marci to get late payments removed, due to some unfortunate event in your life that caused the late payments, from your current and positive tradelines.
• "Hard" Inquiry - Inquiry visible to others and counted in your credit score.
• I I B - Included in Bankruptcy.
• IMHO - In My Humble Opinion
• IP - Internet Provider or (I)nternet (P)rotocol address
• ITS - Intent to Sue
• JDB - Junk Debt Buyer or Bad Debt Buyer
• junami- a weekend in September 2007 where Barclay's Bank (Formerly Juniper) changed their approval standards -some believe accidentally- resulting in a large wave of applications and approvals. Some of those approvals were rescinded within hours and the new account closed.
• junarama- Applying for and being approved (even if temporarily) for multiple Juniper cards during the "Junami"
• Limited C & D - You are only to be contacted by mail.
• Litigious Nutcase Letter - A letter written by PsychDoc that you can use to make yourself look like a
• lawsuit-happy whacko in an attempt to make paid
• collection/charge-off tradelines disappear for good! Best when notarized and sent via certified mail for maximum psychological effect (why do you think he's called PsychDoc?!?)
• LOC - Line of credit.
• LOL - laughing out loud
• NCO - A collection agency many people find difficult to deal with.
• Mr. Cooke - Cap One Representative. Works wonders for many people. Now either retired or in a different department, no longer available for consumer contact.
• OC - original creditor
• OT - Off Topic
• PFB - Planetfeedback.com. A nifty site that will hold your hand through the process of writing an electronically submitted feedback letter to faceless corporations and optionally share them with the general public.
• PG - Privacy Guard is an agency that provides online credit reports, credit monitoring and credit advice for a fee.
• PITA - Pain In the A$$
• PP - Permissible Purpose
• PR - Pull Report or Procedural Request
• "R" - A lender's Retention department.
• RMA - Risk Management Alternatives
• ROFLMAO! - (rolling on the floor laughing my ass off)
• SO - Significant Other
• SOCK DRAWER - Where you put CC's that you won't be using for a while, for whatever reason, usually due to the CCC not playing nice.
• "Soft Inquiry" - inquiry not seen by others and not counted in your score
• SOL - Statute of Limitation: statutorily set maximum time periods during which lawsuits can be brought to enforce rights. After the time period set out in the applicable statute of limitations has run (expired), no legal action can be brought.
• "THEFTED" Having your credit limits reduced severely or chopped to zero, normally by AMEX.
• "TOY CARD" When a credit card company gives you an 80% lower credit limit, THAN YOUR CURRENT LOWEST CREDIT LIMIT...
• Tradeline - An entry in your credit history.
• TTT To The Top- bumping a post back to the top of the page.
• TU - Trans Union. A CRA.
• UDF - Universal Data Form. Its the form that the subscribers (collectors, creditors, etc.) to the CRAs use to update/delete tradelines.
• YMMV - Your mileage may vary
• WK - worthknowing.com - free TU credit report. No longer in business.

updated 04/09 Radi8

I love this!

Doc

great jobbbbbbbbb..........

I might add


ITA - I totally agree
FWIW - For what it's worth

and KWIM Know What I Mean?

Hmm shouldn't we have something like DW? Dear Wife.....?

TL=tradeline

Your Mileage May Vary

hey I found it on member Why Chat's helpful site:


http://whychat.5u.com/glos.html

CHARGEOFF–
to treat as a loss or expense.
CHARGEOFF ACCOUNT or RECEIVABLE –
an account or receivable that has been charged off as a loss on the books and records of the seller as uncollectable in accordance with practices and applicable with Federal Regulations

Thanks Why Chat!://http://whychat.5u.com/glos.html

...hanks Why Chat!

Before you dispute anything, opt out. 1-888-5OPT OUT
I don't recommend that people try repair with debts that are still within SOL, but many here do it. The problem is, you could still get sued and lose. Be very careful. Start a thread in the credit forum with more info and you will get other's advice and opinions.

a dunning letter is a letter demanding payment from a CA

Unless You're George Factor


For example...

a person with a 750 FICO, 10% utilization, 25 year history, NO baddies can qualify for a 10,000 dollar Chase Visa....Unless You're George...in which case you won't qualify

actually, it means either Public Record or Procedural Request

Included In Bankruptcy

For ironrod:

What is B?

B = bumpage

Search on PG* and bumpage and PG* and trick.

PG = Privacy Guard

See thread titled (in this same forum), Everything you wanted to know about bumpage and then some.

Sassy

Junk Debt Buyer otherwise known as a bad debt buyer.

Sassy

GLOSSERY UP-DATE
Thanx WAALIEN for the original!!

Credit Report Account Ratings
I=Installment
R=Revolving
0 Too new to rate
1 Pays account as agreed
2 Not more than two payments past due
3 Not more than three payments past due
4 Not more than four payments past due
5 At least 120 days or more than for payments past due
7 Making regular payments under W.E.P
8 Repossession
9 Bad Debt; placed for collection; skip [/quote]

A.G. - State Attorney General
AU - Authorized User
B - Bump (See <bump>)
Baddies - Negative information on your credit report.
Beacon - See FICO.
BBB - Better Business Bureau
BK7 - Chapter 7 Bankruptcy
BK13 - Chapter 13 Bankruptcy
Blanket C & D - Notice not to contact in ANY way. You should only use if SOL is out.
BT - Balance Transfer.
BT promo - A BT at a promotional rate.
BTW - By the way
<bump> - used by someone when they are looking for an answer to the thread, but have not received one yet, and the thread itself is getting pushed back to the second page, where members are less likely to see/read it. Feel free to "bump" your post to the top by replying to your own message and typing <bump> in the body of your reply.
Bumpage - Pull your own credit report multiple times to “bump” hard inquiries off your report.
C & D - Cease & Desist
CA - Collection Agency
CAP 1 - Capital One
CC - Credit Card.
CCC - Credit Card Company
CCCS - Consumer Credit Counseling Services
CE Score - CreditExpert score.
Ch - Chapter
C.H.O.D CreditNet Holiday Onslaught of Disputes
Choppage - A Credit Reporting Agency will stop “chop” your inquiries before they reach the required “bumpage” number to delete hard inquiries.
Citi Backdoor Double - Rapidly applying for multiple Citibank CC products with the intention of combining their CL's. No longer effective?
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.
CLOD - Creditnet Laborday Onslaught of Disputes
CO - charge off
CR - Credit Report
CRA's - Credit Reporting Agency
CRRR - Certified mail, Return Receipt Requested
C.S.O.D. - CreditNet Summer Onslaught of Disputes
CW - Credit Watch, a monitoring service offered by Equifax
derog - Derogatory tradeline = an item on your credit file that is negative in any way.
DH - Dear Husband
DOLA - Date of Last activity
DV - Dispute & validate
DW - Dear Wife
EQ - Equifax. Another CRA.
Estoppel - Precludes someone from denying the truth of a fact which has been determined in an official proceeding or by an authoritative body.
Estoppel Letter - See www.creditboards.com/index.php?showtopic=16439 and
www.creditboards.com/index.php?showtopic=8806 for examples.
EXP (or EX) - Experian. Another CRA.
Experica - Similar to FICO, as reported by Trans Union.
Fair Isaac - Similar to FICO, as reported by Experian.
FAKO - Similar to FICO score only done by a CRA--FAKE SCORES.
FCBA - Fair Credit Billing Act
FCRA - Fair Credit Reporting Act
FDCPA - Fair Debt Collection Practices Act
FICO score - Fair Isaac. Also known as.... BEACON. 500's: You have a lot of work to do. 600's: You're not done yet. 700's: You're golden. 800's: You're God.
FIFO - First In, First Out. Usually refers to how your letters are answered.
FTC - Federal Trade Commission.
GC - Green Card from Certified Mail
Goodwill adjustment - Adjustment made to your credit report in response to your Goodwill letter.
Goodwill letter - correspondence or letter created by Marci to get late payments removed, due to some unfortunate event in your life that caused the late payments, from your current and positive tradelines.
"Hard" Inquiry - Inquiry visible to others and counted in your credit score.
I I B - Included in Bankruptcy.
IMHO - In My Humble Opinion
IP - Internet Provider
ITS - Intent to Sue
JDB - Junk Debt Buyer or Bad Debt Buyer
Limited C & D - You are only to be contacted by mail.
Litigious Nutcase Letter - A letter written by PsychDoc that you can use to make yourself look like a lawsuit-happy whacko in an attempt to make paid
collection/charge-off tradelines disappear for good! Best when notarized and sent via certified mail for maximum psychological effect (why do you think he's called PsychDoc?!?)
LOC - Line of credit.
LOL - laughing out loud
NCO - A collection agency many people find difficult to deal with.
Mr. Cooke - Cap One Representative. Works wonders for many people.
OC - original creditor
OT - Off Topic
PFB - Planetfeedback.com. A nifty site that will hold your hand through the process of writing an electronically submitted feedback letter to faceless corporations and optionally share them with the general public.
PG - Privacy Guard is an agency that provides online credit reports, credit monitoring and credit advice for a fee.
PITA - Pain In the A$$
PP - Permissible Purpose
PR - Pull Report or Procedural Request
"R" - A lender's Retention department.
RMA - Risk Management Alternatives
ROFLMAO! - (rolling on the floor laughing my ass off)
SO - Significant Other
SOCK DRAWER - Where you put CC's that you won't be using for a while, for whatever reason, usually due to the CCC not playing nice.
"Soft Inquiry" - inquiry not seen by others and not counted in your score
SOL - Statute of Limitation: statutorily set maximum time periods during which lawsuits can be brought to enforce rights. After the time period set out in the applicable statute of limitations has run (expired), no legal action can be brought.
"TOY CARD" When a credit card company gives you an 80% lower credit limit, THAN YOUR CURRENT LOWEST CREDIT LIMIT...
Tradeline - An entry in your credit history.
TU - Trans Union. A CRA.
UDF - Universal Data Form. Its the form that the subscribers (collectors, creditors, etc.) to the CRAs use to update/delete tradelines.
YMMV - Your mileage may vary
WK - worthknowing.com - free TU credit report.

TTT = To The Top

AA = Adverse Action.

http://creditboards.com/forums/index.php?a...DE=02&qid=2

Link to the FAQ containing the CB Glossary