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Your Text Link Ad Here | Free Credit Report | Auto Loans | Credit Repair Ranked #1 | Avoid These Mistakes - Free Report
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08-17-2006, 02:36 PM
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Administrator
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Join Date: Jan 2005
Posts: 38
Rep Power: 10
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Credit Repair Acronyms. By Goodkiller
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.<Hard Inquiry = Inquiry visible to others and counted in your credit score.
HELOC = Home Equity Line of Credit
I I B = Included in Bankruptcy.
IIB = Included In Bankruptcy
IMHO = In My Humble Opinion
Inq = Inquiry
IP = Internet Provider
ITS = Intent To Sue
JDB = Junk Debt Buyer
Limited C & D = You are only to be contacted by mail.
LOC = Line of credit
LOL = laughing out loud
MCK = My Credit Keeper
NCO = A collection agency many people find difficult to deal with.
Nutcase Letter = A letter written by PsychDoc from CB that you can use to make yourself look like a lawsuit-happy whacko in an attempt to make paid
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.
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
PR = Pull Report
R = Retention department.
RMA = Risk Management Alternatives
SIF = Settled In Full
SO = Significant Other
SOCK DRAWER = Where you stockpile CC's that are of no use to you.
Soft Inquiry = inquiry not seen by others and not counted in your score
SOL = statute of limitations
TILA = Truth in Lending Act
TL = Tradeline
TU = TransUnion
UDF = Universal Data form. Its the form that the subscribers (collectors, creditors, etc.) to the CRAs use to update/delete tradelines.<br />
YMMV = Your mileage may vary
(edited, adding some extra stuff from CB)
Last edited by admin; 08-17-2006 at 03:18 PM.
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08-17-2006, 02:57 PM
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The f'in a'hole
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Join Date: Apr 2006
Age: 36
Posts: 1,352
Rep Power: 4
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NOTE: PLEASE READ: Directions for posting in this thread
If you have items to add to this list, follow these steps:
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.
(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
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08-21-2006, 01:24 PM
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Regular
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Join Date: Sep 2005
Posts: 2,759
Rep Power: 5
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NOTE: PLEASE READ: Directions for posting in this thread
If you have items to add to this list, follow these steps:
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 = 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
Last edited by 94B10; 08-21-2006 at 01:28 PM.
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08-31-2006, 08:58 AM
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Regular
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Join Date: Sep 2005
Posts: 2,759
Rep Power: 5
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NOTE: PLEASE READ: Directions for posting in this thread
If you have items to add to this list, follow these steps:
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 = 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
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10-24-2006, 05:48 PM
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Regular
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Join Date: Sep 2005
Posts: 2,759
Rep Power: 5
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NOTE: PLEASE READ: Directions for posting in this thread
If you have items to add to this list, follow these steps:
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 = 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
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11-03-2006, 11:07 AM
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Regular
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Join Date: Sep 2005
Posts: 2,759
Rep Power: 5
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NOTE: PLEASE READ: Directions for posting in this thread
If you have items to add to this list, follow these steps:
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 = 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
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01-01-2007, 02:05 PM
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Member
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Join Date: Dec 2006
Posts: 36
Rep Power: 0
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thanks!!
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!
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01-01-2007, 03:55 PM
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2nd Best
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Join Date: Feb 2005
Location: North Florida
Age: 43
Posts: 1,132
Rep Power: 5
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dont for get
FWB = Friends with Benefits :roll:
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01-02-2007, 03:00 PM
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The f'in a'hole
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Join Date: Apr 2006
Age: 36
Posts: 1,352
Rep Power: 4
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NOTE: PLEASE READ: Directions for posting in this thread
If you have items to add to this list, follow these steps:
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 = 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
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