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
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A through C, and Numerical/Symbols

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Last edited by Cassie on Thu Oct 12, 2023 9:40 pm, edited 1 time in total.
Reason: Adding one.
AbbreviatedShort For
5/4/2EQ5, TU4 and EX2 Fico scores, commonly referred to as “mortgage scores”
AAadverse action (lowered credit limits, closed cards, negative reports on credit, etc.)
AAAmerican Airlines (esp. Citi AAdvantage cobranded card)
AAoAAverage Age of Accounts
AAoIAAverage Age of Installment Accounts
AAoRAAverage Age of Revolving Accounts
ACLAverage Credit Limit
AFAnnual Fee
AFAIKAs far as I know
AGAttorney General
AMEXAmerican Express
AoOAAge of Oldest Account
AoOIAAge of Oldest Installment Account
AoORAAge of Oldest Revolving Account
AODAnniston Ordnance Depot FCU
AORApp-O-Rama (see App Spree)
AoYAAge of Youngest Account
AoYIAAge of Youngest Installment Account
AoYRAAge of Youngest Revolving Account
APAffair Partner. (Because I had no idea, either. Destroys credit, apparently.)
Appapply / application
App SpreeApplying for several cards and/or credit lines in a short period of time
APRAnnual Percentage Rate
ARAccount Review, also U.S. Bank Altitude Reserve credit card
AUAdditional user / Authorized user
AWBAccounts With Balance
AZAll Zero. All accounts with a $0 reported balance.
AZEOAll 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.
BaddieAny negative or derogatory item on your report
BBBBetter Business Bureau
BBPAmerican Express Blue Business Plus Credit Card
BBRBofA Better Balance Rewards Credit Card
BC/OBCAmerican Express Blue Cash / "Old Blue Cash"
BCEBankcard Enhanced or American Express Blue Cash Everyday
BCPAmerican Express Blue Cash Preferred
BK or BRBankruptcy
BNPLBuy 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!
BoABank of America
BTBalance Transfer
BTWBy the way
BUMPUsed by someone when they are looking for an answer to the thread, but have not received one yet
CACollection Agency
Cap1Capital One Bank
CARTCourtesy, Reasons, Apologize, Thank (4 points of solid GW letter writing)
CBRCredit Bureau Report
CCCredit Card
CCCCredit Card Company
CCCSConsumer Credit Counseling Services
CCTCredit Check Total
CFChase Freedom
CFAConsumer Finance Account
CFLConsumer Finance Loan
CFPBConsumer Financial Protection Bureau
CKCreditKarma.com
CLCredit Limit
CLDCredit Line Decrease
CLICredit Line Increase
CLOCChecking Line of Credit
CMAmerican Express Cash Magnet Credit Card
CMRRRCertified Mail Return Receipt Requested
CMSCredit Management Service
CO(1) Charge Off; (2) less frequently, Capital One
CRCredit Report
CRACredit Reporting Agency (e.g. TransUnion, Equifax, Experian)
CRADCreditRebels Application Database
CRADISCredit Report and Data Information System
CROCredit Repair Organization
CRTPCredit Reporting Time Period
CS(1) Customer Service; (2) CreditSecure; (3) Credit Score; (4) Credit Sesame
CSPChase Sapphire Preferred
CSR(1) Customer Service Representative; (2) Chase Sapphire Reserve
CUCredit Union
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