Acronyms & Abbreviations

Credit Reports and Scores Most Commonly Used Acronyms & AbbreviationsHere is a list of the most commonly used Credit Reports and Scores acronyms, abbreviations, lingo and terms.

Credit Reports and Scores Jargon

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Acronym Meaning
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 (See also Credit Piggybacking)
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
C1 Capital One
CA Collection Agency or Collection Account
CB Credit Bureau (Equifax, Experian, TransUnion)
CBR Credit Bureau Report
CC Credit Card
CCC Credit Card Company
CCCS Consumer Credit Counseling Services
CF Credit Freeze
CFL Consumer Finance Loan
CK Credit Karma
CL Credit Limit
CLD Credit Line Decrease
CLI Credit Line Increase
CMRRR Certified Mail Return Receipt Requested
CO Charge Off or Capital-One (depends on context)
CP Credit Piggybacking
CR Credit Report
CRA Credit Reporting Agency (Equifax, Experian, TransUnion)
CRO Credit Repair Organization
CRTP Credit Reporting Time Period
CS Customer Service or CreditSecure or Credir Sesame (depends on context) 
CSR Customer Service Representative
CU Credit Union
DD Dear Daughter
Drog, Derog Derogatory
DH Dear Husband
DMP Debt Management Program
DOFD Date of First Delinquency
DOLA Date of Last Activity
DS Dear Son
DTI, DTIR Debt to Income (Ratio)
DV Debt Validation/Debt Verification
DW Dear Wife
ECOA Equal Credit Opportunity Act
EFX, EQ Equifax
EX, XPN, EXP Experian
FA Foreclosure
FA Fraud Alert
FACT Act Fair and Accurate Credit Transactions Act
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
HI Hard Inquiry / Hard Pull
HIPAA Health Insurance Portability and Accountability Act
HP Hard Pull / Hard Inquiry
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
KD Key Derogatory
LC, LOC Line of Credit
LOL Laughing Out Loud
LTV Loan to Value
MOV Method of Validation
NFCC National Foundation for Credit Counseling
OC Original Collector or Original Creditor
OP Original Poster or Original Post
OT Off Topic
PC Product Change
PFB Planet Feedback
PFD Pay For Delete
PIF Pay in Full / Paid in Full
PL Personal Loan
PM Private Message
PP Permissible Purpose or Payment Plan
PR Public Record
RECON Repossession
RECON Reconsideration
RTCR101T Read the Credit Report 101 Thread
SOCK DRAWER Where you put CC’s that you won’t be using for a while
SOL Statute of limitations
SI Soft Inquiry / Soft Pull
SP Soft Pull / Soft Inquiry
TC TrueCredit
TD Turned Down
TL Tradeline. An entry in your credit history
TRW Now Experian Credit Bureau
TU TransUnion
UTL, UTIL Utilization of debt to credit line
VS Voluntary Surrender
WO Write Off
WF Wells Fargo
YMMV Your Mileage May Vary (“Worked for me, may not work for you”)
YVW You’re Very Welcome

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