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Credit Repair Acronyms. By Goodkiller

admin said: "Don't ya think? I know they're also over on CB, but with the function not working well here except on the root page, it might help to have this stickied: *b = bumpage AG = Attorney General ARM = Adjustable Rate Mortgage< AU = Authorized User BBB = Better Business Bureau Beacon = See FICO. BK = Bankruptcy BK13 = Chapter 13 Bankruptcy BK7 = Chapter 7 Bankruptc 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. C&D = Cease and Desist (stop collections) CA = Collection Agency CAP 1 = Capital One CB = Credit Bureau CBR = Credit Bureau Report CC = Credit Card CCC = Credit Card Company CCCS = Consumer Credit Counseling Services CE Score = CreditExpert score. Ch = Chapter 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? CK = Credit Keeper 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 CM = Certified Mail CMRRR = Certified Mail Return Reciept Requested CO = Charge off OR Collections 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?!?) CR = Credit Report CRA's = Credit Reporting Agency CRRR = Certified mail, Return Receipt Requested CU = Credit Union CW = Credit Watch, a monitoring service offered by Equifax CW = Credit Whore DDA = Direct Deposit Account derog = Derogatory tradeline = an item on your credit file that is negative in any way. DH = Dear/Debtors Husband DMP = Debt Management Plan DOI = Department of Insurance DOLA = Date of Last Activity DV = Dispute & validate DV = Debt Validation (what you want CA or OC to do) and Debt Verification (what CRA does--or so they say) DW = Dear/Debtors Wife EFT = Electronic Funds Transfer EQ = Equifax EQ CWG = Equifax Credit Watch Gold EX = Experian Experica = Similar to FICO, as reported by Trans Union. Fair Isaac = Similar to FICO, as reported by Experian. FAKO = Fake credit score, ie, any other than the FICO FCBA = Fair Credit Billing Act FCRA = Fair Credit Reporting Act FCRA/FACTA = fair credit reporting act FDCPA = fair debt collection practices act FHA = Federal Housing Administration FICO = Fair Isaac Company, the company that created the mathematical formula used to score credit worthiness of consumers FICOs = Fair Isaac score FIFO = First In, First Out. Usually refers to how your letters are answered. Freddie Mac = Federal Home Loan Mortgage Corporation (FHLM) 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. YMMV = Your mileage may vary (edited, adding some extra stuff from CB)"

goodkiller said: "NOTE: PLEASE READ: [B]Directions for posting in this thread[/B] If you have items to add to this list, follow these steps: [B]1. Find the LATEST post in this thread 2. Copy the complete acronym list from that post. 3. Reply to the thread. 4. Paste the acronym list into your edit window (replacing all old contents) 5. Add your new acronyms in the proper alphabetical place. 6. Submit.[/B] (list below created by 94B10) *b = bumpage AG = Attorney General ARM = Adjustable Rate Mortgage AU = Authorized User BBB = Better Business Bureau Beacon = See FICO. BK = Bankruptcy BK13 = Chapter 13 Bankruptcy BK7 = Chapter 7 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. C&D = Cease and Desist (stop collections) CA = Collection Agency CAP 1 = Capital One CB = Credit Bureau CBR = Credit Bureau Report CC = Credit Card CCC = Credit Card Company CCCS = Consumer Credit Counseling Services CE Score = CreditExpert score. Ch = Chapter 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? CK = Credit Keeper 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 CM = Certified Mail CMRRR = Certified Mail Return Reciept Requested CO = Charge off OR Collections CR = Credit Report CRA = Credit Reporting Agency CRRR = Certified mail, Return Receipt Requested CU = Credit Union CW = Credit Whore CW = Credit Watch DDA = Direct Deposit Account derog = Derogatory tradeline = an item on your credit file that is negative in any way. DH = Debtors Husband DMP = Debt Management Plan DOI = Department of Insurance DOFD= Date of First Delinquency DOLA = Date of Last Activity DTI = Debt to Income DV = Debt Validation (what you want CA or OC to do) and Debt Verification (what CRA does--or so they say) DW = Debtors Wife EFT = Electronic Funds Transfer EQ = Equifax EQ CWG = Equifax Credit Watch Gold EX = Experian Experica = Similar to FICO, as reported by Trans Union. Fair Isaac = Similar to FICO, as reported by Experian. FAKO = Fake credit score, ie, any other than the FICO FCBA = Fair Credit Billing Act FCRA/FACTA = fair credit reporting act FDCPA = fair debt collection practices act FHA = Federal Housing Administration FICO = Fair Isaac Company, the company that created the mathematical formula used to score credit worthiness of consumers FICO = Fair Isaac score FIFO = First In, First Out. Usually refers to how your letters are answered. Freddie Mac = Federal Home Loan Mortgage Corporation (FHLM) FTC = Federal Trade Commission. GC = Green Card from Certified Mail Goodwill adjustment = Adjustment made to your credit report in response to your Goodwill letter. GW = Goodwill letter Hard Inquiry = Inquiry visible to others and counted in your credit score. HELOC = Home Equity Line of Credit IIB = Included In Bankruptcy Inq = Inquiry ITS = Intent To Sue JDB = Junk Debt Buyer LOC = Line of credit MCK = My Credit Keeper OC = original creditor OP = Original Post or Poster PFB = PlanetFeedback.com PFD = Pay for Deletion PG = PrivacyGuard.com PIF = Paid In Full PMI = Private Mortgage Insurance PP = Permissible Purpose (to pull your credit report) PR = Procedure Request--request how CRA verified SIF = Settled In Full SOL = statute of limitations TILA = Truth in Lending Act TL = Tradeline TU = TransUnion UCC = Uniformed Commercial Code UDF = Universal Data Form YMMV = Your Mileage May Vary"

94B10 said: "NOTE: PLEASE READ: [B]Directions for posting in this thread[/B] If you have items to add to this list, follow these steps: [B]1. Find the LATEST post in this thread[/B] [B]2. Copy the complete acronym list from that post.[/B] [B]3. Reply to the thread.[/B] [B]4. Paste the acronym list into your edit window (replacing all old contents)[/B] [B]5. Add your new acronyms in the proper alphabetical place.[/B] [B]6. Submit.[/B] *b = bumpage AG = Attorney General ARM = Adjustable Rate Mortgage AU = Authorized User BBB = Better Business Bureau Beacon = See FICO. BK = Bankruptcy BK13 = Chapter 13 Bankruptcy BK7 = Chapter 7 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. C&D = Cease and Desist (stop collections) CA = Collection Agency CAP 1 = Capital One CB = Credit Bureau CBR = Credit Bureau Report CC = Credit Card CCC = Credit Card Company CCCS = Consumer Credit Counseling Services CE Score = CreditExpert score. Ch = Chapter 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? CK = Credit Keeper 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 CM = Certified Mail CMRRR = Certified Mail Return Reciept Requested CO = Charge off OR Collections CR = Credit Report CRA = Credit Reporting Agency CRRR = Certified mail, Return Receipt Requested CU = Credit Union CW = Credit Whore CW = Credit Watch DDA = Direct Deposit Account derog = Derogatory tradeline = an item on your credit file that is negative in any way. DH = Debtors Husband DMP = Debt Management Plan DOI = Department of Insurance DOFD= Date of First Delinquency DOLA = Date of Last Activity DTI = Debt to Income DV = Debt Validation (what you want CA or OC to do) and Debt Verification (what CRA does--or so they say) DW = Debtors Wife EFT = Electronic Funds Transfer EQ = Equifax EQ CWG = Equifax Credit Watch Gold EX = Experian Experica = Similar to FICO, as reported by Trans Union. Fair Isaac = Similar to FICO, as reported by Experian. FAKO = Fake credit score, ie, any other than the FICO FCBA = Fair Credit Billing Act FCRA/FACTA = Fair Credit Reporting Act FDCPA = Fair Debt Collection Practices Act FHA = Federal Housing Administration FICO = Fair Isaac Company, the company that created the mathematical formula used to score credit worthiness of consumers FICO = Fair Isaac score FIFO = First In, First Out. Usually refers to how your letters are answered. Freddie Mac = Federal Home Loan Mortgage Corporation (FHLM) FTC = Federal Trade Commission. GC = Green Card from Certified Mail Goodwill adjustment = Adjustment made to your credit report in response to your Goodwill letter. GW = Goodwill letter Hard Inquiry = Inquiry visible to others and counted in your credit score. HELOC = Home Equity Line of Credit HIPAA= Health Insurance Portability & Accountability Act of 1996,Public Law 104-191 IIB = Included In Bankruptcy Inq = Inquiry ITS = Intent To Sue JDB = Junk Debt Buyer LOC = Line of credit MCK = My Credit Keeper OC = Original creditor OP = Original Post or Poster PFB = PlanetFeedback.com PFD = Pay for Deletion PG = PrivacyGuard.com PIF = Paid In Full PMI = Private Mortgage Insurance PP = Permissible Purpose (to pull your credit report) PR = Procedure Request--request how CRA verified SIF = Settled In Full SOL = Statute of limitations TILA = Truth in Lending Act TL = Tradeline TU = TransUnion UCC = Uniformed Commercial Code UDF = Universal Data Form YMMV = Your Mileage May Vary"

94B10 said: "NOTE: PLEASE READ: [B]Directions for posting in this thread[/B] If you have items to add to this list, follow these steps: [B]1. Find the LATEST post in this thread[/B] [B]2. Copy the complete acronym list from that post.[/B] [B]3. Reply to the thread.[/B] [B]4. Paste the acronym list into your edit window (replacing all old contents)[/B] [B]5. Add your new acronyms in the proper alphabetical place.[/B] [B]6. Submit.[/B] *b = bumpage AG = Attorney General ARM = Adjustable Rate Mortgage AU = Authorized User BBB = Better Business Bureau Beacon = See FICO. BK = Bankruptcy BK13 = Chapter 13 Bankruptcy BK7 = Chapter 7 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. C&D = Cease and Desist (stop collections) CA = Collection Agency CAP 1 = Capital One CB = Credit Bureau CBR = Credit Bureau Report CC = Credit Card CCC = Credit Card Company CCCS = Consumer Credit Counseling Services CE Score = CreditExpert score. Ch = Chapter 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? CK = Credit Keeper 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 CM = Certified Mail CMRRR = Certified Mail Return Reciept Requested CO = Charge off OR Collections CR = Credit Report CRA = Credit Reporting Agency CRRR = Certified mail, Return Receipt Requested CU = Credit Union CW = Credit Whore CW = Credit Watch DDA = Direct Deposit Account derog = Derogatory tradeline = an item on your credit file that is negative in any way. DH = Debtors Husband DMP = Debt Management Plan DOI = Department of Insurance DOFD= Date of First Delinquency DOLA = Date of Last Activity DTI = Debt to Income DV = Debt Validation (what you want CA or OC to do) and Debt Verification (what CRA does--or so they say) DW = Debtors Wife EFT = Electronic Funds Transfer EQ = Equifax EQ CWG = Equifax Credit Watch Gold EX = Experian Experica = Similar to FICO, as reported by Trans Union. Fair Isaac = Similar to FICO, as reported by Experian. FAKO = Fake credit score, ie, any other than the FICO FCBA = Fair Credit Billing Act FCRA/FACTA = Fair Credit Reporting Act FDCPA = Fair Debt Collection Practices Act FHA = Federal Housing Administration FICO = Fair Isaac Company, the company that created the mathematical formula used to score credit worthiness of consumers FICO = Fair Isaac score FIFO = First In, First Out. Usually refers to how your letters are answered. Freddie Mac = Federal Home Loan Mortgage Corporation (FHLM) FTC = Federal Trade Commission. GC = Green Card from Certified Mail Goodwill adjustment = Adjustment made to your credit report in response to your Goodwill letter. GW = Goodwill letter Hard Inquiry = Inquiry visible to others and counted in your credit score. HELOC = Home Equity Line of Credit HIPAA= Health Insurance Portability & Accountability Act of 1996,Public Law 104-191 IIB = Included In Bankruptcy Inq = Inquiry ITS = Intent To Sue JDB = Junk Debt Buyer LOC = Line of credit MCK = My Credit Keeper OC = Original creditor OP = Original Post or Poster PFB = PlanetFeedback.com PFD = Pay for Deletion PG = PrivacyGuard.com PIF = Paid In Full PMI = Private Mortgage Insurance PP = Permissible Purpose (to pull your credit report) PR = Procedural Request--request how CRA verified SIF = Settled In Full SOL = Statute of limitations TILA = Truth in Lending Act TL = Tradeline TU = TransUnion UCC = Uniformed Commercial Code UDF = Universal Data Form YMMV = Your Mileage May Vary"

94B10 said: "NOTE: PLEASE READ: [B]Directions for posting in this thread[/B] If you have items to add to this list, follow these steps: [B]1. Find the LATEST post in this thread[/B] [B]2. Copy the complete acronym list from that post.[/B] [B]3. Reply to the thread.[/B] [B]4. Paste the acronym list into your edit window (replacing all old contents)[/B] [B]5. Add your new acronyms in the proper alphabetical place.[/B] [B]6. Submit.[/B] *b = bumpage AG = Attorney General ARM = Adjustable Rate Mortgage AU = Authorized User BBB = Better Business Bureau Beacon = See FICO. BK = Bankruptcy BK13 = Chapter 13 Bankruptcy BK7 = Chapter 7 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. C&D = Cease and Desist (stop collections) CA = Collection Agency CAP 1 = Capital One CB = Credit Bureau CBR = Credit Bureau Report CC = Credit Card CCC = Credit Card Company CCCS = Consumer Credit Counseling Services CE Score = CreditExpert score. Ch = Chapter 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? CK = Credit Keeper 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 CM = Certified Mail CMRRR = Certified Mail Return Reciept Requested CO = Charge off OR Collections CR = Credit Report CRA = Credit Reporting Agency CRRR = Certified mail, Return Receipt Requested CU = Credit Union CW = Credit Whore CW = Credit Watch DDA = Direct Deposit Account derog = Derogatory tradeline = an item on your credit file that is negative in any way. DH = Debtors Husband DMP = Debt Management Plan DOI = Department of Insurance DOFD= Date of First Delinquency DOLA = Date of Last Activity DTI = Debt to Income DV = Debt Validation (what you want CA or OC to do) and Debt Verification (what CRA does--or so they say) DW = Debtors Wife EFT = Electronic Funds Transfer EQ = Equifax EQ CWG = Equifax Credit Watch Gold EX = Experian Experica = Similar to FICO, as reported by Trans Union. FACTA= Fair and Accurate Credit Transaction Act. Revisions to FCRA Fair Isaac = Similar to FICO, as reported by Experian. FAKO = Fake credit score, ie, any other than the FICO FCBA = Fair Credit Billing Act FCRA = Fair Credit Reporting Act FDCPA = Fair Debt Collection Practices Act FHA = Federal Housing Administration FICO = Fair Isaac Company, the company that created the mathematical formula used to score credit worthiness of consumers FICO = Fair Isaac score FIFO = First In, First Out. Usually refers to how your letters are answered. Freddie Mac = Federal Home Loan Mortgage Corporation (FHLM) FTC = Federal Trade Commission. GC = Green Card from Certified Mail Goodwill adjustment = Adjustment made to your credit report in response to your Goodwill letter. GW = Goodwill letter Hard Inquiry = Inquiry visible to others and counted in your credit score. HELOC = Home Equity Line of Credit HIPAA= Health Insurance Portability & Accountability Act of 1996,Public Law 104-191 IIB = Included In Bankruptcy Inq = Inquiry ITS = Intent To Sue JDB = Junk Debt Buyer LOC = Line of credit MCK = My Credit Keeper OC = Original creditor OP = Original Post or Poster PFB = PlanetFeedback.com PFD = Pay for Deletion PG = PrivacyGuard.com PIF = Paid In Full PMI = Private Mortgage Insurance PP = Permissible Purpose (to pull your credit report) PR = Procedural Request--request how CRA verified SIF = Settled In Full SOL = Statute of limitations TILA = Truth in Lending Act TL = Tradeline TU = TransUnion UCC = Uniformed Commercial Code UDF = Universal Data Form YMMV = Your Mileage May Vary"

94B10 said: "NOTE: PLEASE READ: [B]Directions for posting in this thread[/B] If you have items to add to this list, follow these steps: [B]1. Find the LATEST post in this thread[/B] [B]2. Copy the complete acronym list from that post.[/B] [B]3. Reply to the thread.[/B] [B]4. Paste the acronym list into your edit window (replacing all old contents)[/B] [B]5. Add your new acronyms in the proper alphabetical place.[/B] [B]6. Submit.[/B] *b = bumpage AG = Attorney General ARM = Adjustable Rate Mortgage AU = Authorized User BBB = Better Business Bureau Beacon = See FICO. BK = Bankruptcy BK13 = Chapter 13 Bankruptcy BK7 = Chapter 7 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. C&D = Cease and Desist (stop collections) CA = Collection Agency CAP 1 = Capital One CB = Credit Bureau CBR = Credit Bureau Report CC = Credit Card CCC = Credit Card Company CCCS = Consumer Credit Counseling Services CE Score = CreditExpert score. Ch = Chapter 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? CK = Credit Keeper 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 CM = Certified Mail CMRRR = Certified Mail Return Reciept Requested CO = Charge off OR Collections CR = Credit Report CRA = Credit Reporting Agency CRRR = Certified mail, Return Receipt Requested CU = Credit Union CW = Credit Whore CW = Credit Watch DDA = Direct Deposit Account Derog = Derogatory tradeline = an item on your credit file that is negative in any way. DF= Data Furnisher DH = Debtors Husband DMP = Debt Management Plan DOI = Department of Insurance DOFD= Date of First Delinquency DOLA = Date of Last Activity DTI = Debt to Income DV = Debt Validation (what you want CA or OC to do) and Debt Verification (what CRA does--or so they say) DW = Debtors Wife EFT = Electronic Funds Transfer EQ = Equifax EQ CWG = Equifax Credit Watch Gold EX = Experian Experica = Similar to FICO, as reported by Trans Union. FACTA= Fair and Accurate Credit Transaction Act. Revisions to FCRA Fair Isaac = Similar to FICO, as reported by Experian. FAKO = Fake credit score, ie, any other than the FICO FCBA = Fair Credit Billing Act FCRA = Fair Credit Reporting Act FDCPA = Fair Debt Collection Practices Act FHA = Federal Housing Administration FICO = Fair Isaac Company, the company that created the mathematical formula used to score credit worthiness of consumers FICO = Fair Isaac score FIFO = First In, First Out. Usually refers to how your letters are answered. Freddie Mac = Federal Home Loan Mortgage Corporation (FHLM) FTC = Federal Trade Commission. GC = Green Card from Certified Mail Goodwill adjustment = Adjustment made to your credit report in response to your Goodwill letter. GW = Goodwill letter Hard Inquiry = Inquiry visible to others and counted in your credit score. HELOC = Home Equity Line of Credit HIPAA= Health Insurance Portability & Accountability Act of 1996,Public Law 104-191 IIB = Included In Bankruptcy Inq = Inquiry ITS = Intent To Sue JDB = Junk Debt Buyer LOC = Line of credit MCK = My Credit Keeper OC = Original creditor OP = Original Post or Poster PFB = PlanetFeedback.com PFD = Pay for Deletion PG = PrivacyGuard.com PIF = Paid In Full PMI = Private Mortgage Insurance PP = Permissible Purpose (to pull your credit report) PR = Procedural Request--request how CRA verified SIF = Settled In Full SOL = Statute of limitations TILA = Truth in Lending Act TL = Tradeline TU = TransUnion UCC = Uniformed Commercial Code UDF = Universal Data Form YMMV = Your Mileage May Vary"

Matilda34 said: "Thank you for the help with acronyms etc. I am so overwhelmed! And feel pretty hopeless in my credit repair endeavors. This is a lot of work - but I think I'm starting to get it. Still kinda freaking out about it all. I have no credit card debt only collection agencies, old bounced checks and parking tickets! Those parking tickets are killing me!"

David said: "dont for get FWB = Friends with Benefits :roll:"

goodkiller said: "NOTE: PLEASE READ: [B]Directions for posting in this thread[/B] If you have items to add to this list, follow these steps: [B]1. Find the LATEST post in this thread[/B] [B]2. Copy the complete acronym list from that post.[/B] [B]3. Reply to the thread.[/B] [B]4. Paste the acronym list into your edit window (replacing all old contents)[/B] [B]5. Add your new acronyms in the proper alphabetical place.[/B] [B]6. Submit.[/B] *b = bumpage AG = Attorney General ARM = Adjustable Rate Mortgage AU = Authorized User BBB = Better Business Bureau Beacon = See FICO. BK = Bankruptcy BK13 = Chapter 13 Bankruptcy BK7 = Chapter 7 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. C&D = Cease and Desist (stop collections) CA = Collection Agency CAP 1 = Capital One CB = Credit Bureau CBR = Credit Bureau Report CC = Credit Card CCC = Credit Card Company CCCS = Consumer Credit Counseling Services CE Score = CreditExpert score. Ch = Chapter 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? CK = Credit Keeper 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 CM = Certified Mail CMRRR = Certified Mail Return Reciept Requested CO = Charge off OR Collections CR = Credit Report CRA = Credit Reporting Agency CRRR = Certified mail, Return Receipt Requested CU = Credit Union CW = Credit Whore CW = Credit Watch DDA = Direct Deposit Account Derog = Derogatory tradeline = an item on your credit file that is negative in any way. DF= Data Furnisher DH = Debtors Husband DMP = Debt Management Plan DOI = Department of Insurance DOFD= Date of First Delinquency DOLA = Date of Last Activity DTI = Debt to Income DV = Debt Validation (what you want CA or OC to do) and Debt Verification (what CRA does--or so they say) DW = Debtors Wife EFT = Electronic Funds Transfer EQ = Equifax EQ CWG = Equifax Credit Watch Gold EX = Experian Experica = Similar to FICO, as reported by Trans Union. FACTA= Fair and Accurate Credit Transaction Act. Revisions to FCRA Fair Isaac = Similar to FICO, as reported by Experian. FAKO = Fake credit score, ie, any other than the FICO FCBA = Fair Credit Billing Act FCRA = Fair Credit Reporting Act FDCPA = Fair Debt Collection Practices Act FHA = Federal Housing Administration FICO = Fair Isaac Company, the company that created the mathematical formula used to score credit worthiness of consumers FICO = Fair Isaac score FIFO = First In, First Out. Usually refers to how your letters are answered. FOI = Furnisher of Information Freddie Mac = Federal Home Loan Mortgage Corporation (FHLM) FTC = Federal Trade Commission. GC = Green Card from Certified Mail Goodwill adjustment = Adjustment made to your credit report in response to your Goodwill letter. GW = Goodwill letter Hard Inquiry = Inquiry visible to others and counted in your credit score. HELOC = Home Equity Line of Credit HIPAA= Health Insurance Portability & Accountability Act of 1996,Public Law 104-191 IIB = Included In Bankruptcy Inq = Inquiry ITS = Intent To Sue JDB = Junk Debt Buyer LOC = Line of credit MCK = My Credit Keeper OC = Original creditor OP = Original Post or Poster PFB = PlanetFeedback.com PFD = Pay for Deletion PG = PrivacyGuard.com PIF = Paid In Full PMI = Private Mortgage Insurance PP = Permissible Purpose (to pull your credit report) PR = Procedural Request--request how CRA verified SIF = Settled In Full SOL = Statute of limitations TILA = Truth in Lending Act TL = Tradeline TU = TransUnion UCC = Uniformed Commercial Code UDF = Universal Data Form YMMV = Your Mileage May Vary"