Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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Abbreviations like DV, OC etc.

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  • Abbreviations like DV, OC etc.

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

    I need:
    CA = Collection Agency?

    any others out there?

  • #2
    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).


    • #3
      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
      Filed Ch7 BK 7/27/09
      341 Hearing 9/10/09 All Went Smoothly
      Last Day For Objections 11/09/09
      Discharged and Closed 11/12/09


      • #4
        Freshstart01. WoW. I'll bookmark this. 'Hub
        If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.


        • #5
          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.


          • #6
            make this a sticky


            • #7
              I agree!! Several times I have been left scratching my head
              If you think no one cares about you try missing a couple of payments.


              • #8
                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)!!
                (first 341 10/14/09, cont'd 341 10/23/09) (12/14/09 last day to object) (341 Shows HELD w/tt report of no distribution 1/9/2010)
                :clapping Discharged 1/25/2010 Case Closed 3/11/2010:D


                • #9
                  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!
                  Filed Ch 7 08/17/2009
                  341 Meeting: Sept. 16th, 2009 (Survived my 341-went just fine)
                  Last day of objections: Nov. 16th, 2009
                  Discharged 11/23/2009 and closed 11/30/2009


                  • #10
                    OP = Original Poster
                    There are two secrets for success in life:
                    1.) Never tell everything you know.


                    • #11
                      What is CYT, I have seen that on a few threads lately?


                      • #12
                        Originally posted by mrskal View Post
                        What is CYT, I have seen that on a few threads lately?
                        See You Tomorrow.


                        • #13
                          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


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