Acronyms & Abbreviations
Here 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 |
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z