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Guide To Common Abbreviations


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AA = Adverse Action


AAOA = Average Age of Accounts


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


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


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


CRO = Credit Repair Organization


CRTP = Credit Reporting Time Period


Derog = Derogatory


DMP = Debt Management Program


DOFD = Date of First Delinquency


DOLA = Date of Last Activity


DTI = Debt to Income


DV = Debt Validation


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


FTC = Federal Trade Commision


HELOC = Home Equity Line of Credit


HIPAA = Health Insurance Portability and Accountability Act


IIB = Included in Bankruptcy


IMO = In My Opinion


JDB = Junk Debt Buyer


LOC = Line of Credit


OC = Original Collector or Original Creditor


OP = Original Poster


PFD = Pay For Delete


PIF = Pay in Full


PL = Personal Loan


PM = Private Message


PP = Permissible Purpose


PR = Public Record


RECON = Reconsideration


SOL = Statue of limitations


SW = ScoreWatch


TC = TrueCredit


TD = Turned Down


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


TU = TransUnion


Util = Utilization


WO = Write Off


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