Abbreviations like DV, OC etc.

[paradiddle]

I don't know all the abbreviations on this forum. Is there a sticky for that?

I need:
DV
OC
CA = Collection Agency?

any others out there?

[HHM]

DV = Debt Validation. Common Abbreviation in the "professional debtor" game. When a collection agency sends you a notice, you have the right under the FDCPA (Faid Debt Collection Practices Act) to request a validation of the debt.

OC = Original creditor. Again, used more in the collection context to distinguish between the original lender and a collection agency or debt buyer (JDB = Junk Debt Buyer).

[FreshStart01]

Hope this helps.

Common Abreviations;



AA = Adverse Action

AAoA = Average Age of Accounts
AG = Attorney General
APR = Annual Percentage Rate
AR = Account Review
AU = Authorized User
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
CA = Collection Agency
CBR - Credit Bureau Report
CC = Credit Card
CCC = Credit Card Company
CCCS = Consumer Credit Counseling Services
CFL = Consumer Finance Loan
CL = Credit Limit
CLD = Credit Line Decrease
CLI = Credit Line Increase
CMRRR = Certified Mail Return Receipt Requested
CO = Charge Off
CRA = Credit Reporting Agency ( TransUnion, Equifax, Experian)
CRO = Credit Repair Organization
CRTP = Credit Reporting Time Period

CS = Customer Service or CreditSecure(R) (depends on context)

CSR = Customer Service Representative

DD = Dear Daughter
Derog = Derogatory
DH = Dear Husband
DMP = Debt Management Program
DOFD = Date of First Delinquency
DOLA = Date of Last Activity

DS = Dear Son
DTI = Debt to Income
DV = Debt Validation
DW = Dear Wife
EQ (also EFX) = Equifax
EX (also EXP, XPN) = Experian
FA = Fraud Alert
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
HIPAA = Health Insurance Portability and Accountability Act

HTH = Hope This Helps
IIB = Included in Bankruptcy
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
LOC = Line of Credit
LOL = Laughing Out Loud
LTV = Loan to Value
OC = Original Collector or Original Creditor
OP = Original Poster or Original Post
MOV = Method of Validation
OT = Off Topic
PFB = Planet Feedback
PFD = Pay For Delete
PIF = Pay in Full
PL = Personal Loan
PM = Private Message
PP = Permissible Purpose
RECON = Reconsideration
SOCK DRAWER = Where you put CC's that you won't be using for a while
SOL = Statute of limitations
RTC101T= Read the Credit 101 Thread
SW = ScoreWatch
TC = TrueCredit
TD = Turned Down
TL = Tradeline.. An entry in your credit history.
TU = TransUnion
UTL, UTIL = Utilization of debt to credit line
WO = Write Off
YMMV = Your Mileage May Vary

[AngelinaCatHub]

Freshstart01. WoW. I'll bookmark this. 'Hub

[pinchMYpenny]

Thank you for this list of abbreviations! I think it should be a sticky! (if one doesn't exist)

I was going to ask if there was a glossary of BK terms listed somewhere around here. I'll need to re-check all the stickies.

[paradiddle]

make this a sticky

[bkpain]

I agree!! Several times I have been left scratching my head

[Michigan1951]

Good grief!! I missed this when I started out. For those who are new to this.......
read all the stickies, and threads, FIRST before you jump in here. I misunderstood the take on some of the opinions of trustees, etc., and I was so frustated with the abbreviations. I was very nervous to start with. Anyways, I LOVE the list of abbreviations!!!! It will keep newbies from getting b- - - - - - out...lolololo for complaining that we hate abbreviations (or what the heck they mean)!!

[ForumReader]

Thank you thank you for making this a sticky!! I did ask about whether to start a sticky about these abbreviations from the suggestion thread at the beginning when I first visited the forum. I was so confused with some of the abbreviations. Anyway glad this sticky is here!

[debee]

OP = Original Poster

[mrskal]

What is CYT, I have seen that on a few threads lately?

[ryan]

What is CYT, I have seen that on a few threads lately?

See You Tomorrow.

[Justdonewit]

What does AP mean? I have seen that a few times in some of the repossession threads & haven't been able to figure out what it means