[Qtip]

A.G. - State Attorney General

AU - Authorized User

BK7 - Chapter 7 Bankruptcy

BK13 - Chapter 13 Bankruptcy

BT- Balance Transfer.

BT- promo A BT at a promotional rate.

BTW- By the way

CA- Collection Agency

CRA's- Credit Reporting Agency

CC- Credit Card.

CCC- Credit Card Company

CCCS- Consumer Credit Counseling Services.

CRRR- Certified mail, Return Receipt Requested

CL- Credit limit.

CO- charge off

CRO- Credit Repair Organization

derog Derogatory tradeline- an item on your credit file that is negative in any way.

DH- Dear Husband

DCU- Digital Federal Credit union

DOLA- Date of Last activity

DV- Debt Validation.

EQ Equifax. Another CRA.

EXP (or EX)- Experian. Another CRA.

FCRA- Fair credit Reporting Act

FDCPA- Fair Debt Collection Practices Act

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

FAKO- generic credit score, not a true FICO. Not used by lenders.

Hard Inquiry- Inquiry visible to others and counted in your credit score.

IMHO- In My Humble Opinion

IIB- Included in Bankruptcy

JDB- Junk Debt Buyer Buys debts for pennies on the dollar and attmepts collection.

LOC- Line of credit.

LOL- laughing out loud

OC- original creditor

O- T Off Topic

PITA- Pain In the ASS

PG- Privacy Guard Provider of Online credit reports.

PFD- Pay For Delete. Offer of payment in exchange for removing negatives.

PIF- Pay In Full

PP- Permissible Purpose

ROFLMAO!- (rolling on the floor laughing my ass off)

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.

TU- Transunion A CRA.