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Tue Aug 03, 2021 4:36 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
BrutalBodyShots has achieved the Garden Goal !!
Last edited by Cassie on Thu Oct 12, 2023 9:40 pm, edited 1 time in total.
Reason: Adding one.
Reason: Adding one.
Abbreviated | Short For |
---|---|
5/4/2 | EQ5, TU4 and EX2 Fico scores, commonly referred to as “mortgage scores” |
AA | adverse action (lowered credit limits, closed cards, negative reports on credit, etc.) |
AA | American Airlines (esp. Citi AAdvantage cobranded card) |
AAoA | Average Age of Accounts |
AAoIA | Average Age of Installment Accounts |
AAoRA | Average Age of Revolving Accounts |
ACL | Average Credit Limit |
AF | Annual Fee |
AFAIK | As far as I know |
AG | Attorney General |
AMEX | American Express |
AoOA | Age of Oldest Account |
AoOIA | Age of Oldest Installment Account |
AoORA | Age of Oldest Revolving Account |
AOD | Anniston Ordnance Depot FCU |
AOR | App-O-Rama (see App Spree) |
AoYA | Age of Youngest Account |
AoYIA | Age of Youngest Installment Account |
AoYRA | Age of Youngest Revolving Account |
AP | Affair Partner. (Because I had no idea, either. Destroys credit, apparently.) |
App | apply / application |
App Spree | Applying for several cards and/or credit lines in a short period of time |
APR | Annual Percentage Rate |
AR | Account Review, also U.S. Bank Altitude Reserve credit card |
AU | Additional user / Authorized user |
AWB | Accounts With Balance |
AZ | All Zero. All accounts with a $0 reported balance. |
AZEO | All Zero Except One. Method to maximize credit scores by having all credit cards report a $0 balance except one which reports a non-zero balance. |
Baddie | Any negative or derogatory item on your report |
BBB | Better Business Bureau |
BBP | American Express Blue Business Plus Credit Card |
BBR | BofA Better Balance Rewards Credit Card |
BC/OBC | American Express Blue Cash / "Old Blue Cash" |
BCE | Bankcard Enhanced or American Express Blue Cash Everyday |
BCP | American Express Blue Cash Preferred |
BK or BR | Bankruptcy |
BNPL | Buy Now Pay Later. It is EXTREMELY IMPORTANT to know whether these code as a CFA (Consumer Finance Account) on a credit report. FICO score models consider CFAs to be indicative of higher risk, and they will lower a credit score, even if they are paid off and reported as closed! |
BoA | Bank of America |
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 |
Cap1 | Capital One Bank |
CART | Courtesy, Reasons, Apologize, Thank (4 points of solid GW letter writing) |
CBR | Credit Bureau Report |
CC | Credit Card |
CCC | Credit Card Company |
CCCS | Consumer Credit Counseling Services |
CCT | Credit Check Total |
CF | Chase Freedom |
CFA | Consumer Finance Account |
CFL | Consumer Finance Loan |
CFPB | Consumer Financial Protection Bureau |
CK | CreditKarma.com |
CL | Credit Limit |
CLD | Credit Line Decrease |
CLI | Credit Line Increase |
CLOC | Checking Line of Credit |
CM | American Express Cash Magnet Credit Card |
CMRRR | Certified Mail Return Receipt Requested |
CMS | Credit Management Service |
CO | (1) Charge Off; (2) less frequently, Capital One |
CR | Credit Report |
CRA | Credit Reporting Agency (e.g. TransUnion, Equifax, Experian) |
CRAD | CreditRebels Application Database |
CRADIS | Credit Report and Data Information System |
CRO | Credit Repair Organization |
CRTP | Credit Reporting Time Period |
CS | (1) Customer Service; (2) CreditSecure; (3) Credit Score; (4) Credit Sesame |
CSP | Chase Sapphire Preferred |
CSR | (1) Customer Service Representative; (2) Chase Sapphire Reserve |
CU | Credit Union |
- Tagline Goodwill Saturation Technique Author
- Classic 8 Scorecard CLEAN/THICK/MATURE/NO-NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NO-NEW-ACCOUNT
- AoOA 266 months
- AoORA 266 months
- Date of Last Inquiry and/or New Account Opening May 23rd, 2022
- Garden Goal 24