Acronyms used on this forum.

[Andreas]

I compiled this list from other messages in this forum. This has helped me as a newbie.

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"R" - a lender's Retention department.

 

"TOY CARD" – When a credit card company gives you an 80% lower credit limit then your current lowest credit limit...

 

<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.

 

A.G. - State Attorney General

 

AU - Authorized User

 

BBB – Better Business Bureau

 

BK7 - Chapter 7 Bankruptcy

 

BK13 - Chapter 13 Bankruptcy

 

BT - Balance Transfer.

 

BT promo - A BT at a promotional rate.

 

BTW - By the way

 

C.H.O.D - CreditNet Holiday Onslaught of Disputes

 

C.S.O.D. - CreditNet Summer Onslaught of Disputes

 

CA - Collection Agency

 

CRA's - Credit Reporting Agency

 

CAP1 - Capital One

 

CC - Credit Card.

 

CCC - Credit Card Company

 

CCCS - Consumer Credit Counseling Services.

 

CE score - CreditExpert score.

 

CMRRR - Certified mail, Return Receipt Requested

 

Citi Backdoor Double - Rapidly applying for multiple Citibank CC products with the intention of combining their CL's. No longer effective?

 

CL - Credit line

 

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

 

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

 

DW – Dear wife

 

DOLA - Date of Last activity

 

EQ - Equifax. Another CRA.

 

EXP (or EX) - Experian. Another CRA.

 

FCBA – Fair credit billing act

 

FCRA - Fair credit Reporting Act

 

FDCPA - Fair Debt Collection Practices Act

 

FICO score - Fair Isaac. Also known as....

 

FTC – Federal Trade Commission

 

FWIW – For what it’s worth.

 

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.

 

GC - Green Card receipt from Certified Mail

 

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 by others and counted in your credit score.

 

HIPAA - Health Insurance Portability and Accountability Act of 1996. Title I of the Health Insurance Portability and Accountability Act of 1996 (HIPAA) protects health insurance coverage for workers and their families when they change or lose their jobs.

 

ITA – I Totally Agree

 

ITS – Intent to sue

 

IMHO - In My Humble Opinion

 

KWIM – Know what I mean?

 

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

 

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.

 

PITA - Pain In the A$$

 

PR – Procedural Request: A request of a CRA as to how information on a credit report was verified.

 

RA – Registered Agent: Someone authorized to act on behalf of another party.

 

ROFLMAO ! (rolling on the floor laughing my a$$ off)

 

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.

 

Tradeline - An entry in your credit history.

 

TA - Trade Account

 

TU – Transunion, a CRA.

 

UDF - Universal Data Form. Its the form that the subscribers (collectors, creditors, etc.) submit to the CRAs use to update/delete tradelines.

 

WAMU – Washington Mutual

 

WK - worthknowing.com - free TU credit report.

 

 

 

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

[willgator]

what about DILLIGAF

[Alex]

Nice job.