·         CRRR - Certified mail, Return Receipt Requested  

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·         DOLA - Date of Last activity  

·         DOFD - Date of first delinquency  

·         DV - Dispute & validate  

·         EQ - Equifax. Another CRA.  

·         Estoppel - Precludes someone from denying the truth of a fact which has been determined in an official proceeding or by an authoritative body.  

·         EXP (or EX) - Experian. Another CRA.  

·         FCBA - Fair Credit Billing Act  

·         FCRA - Fair Credit Reporting Act  

·         FDCPA - Fair Debt Collection Practices Act  

·         FICO score - Fair Isaac. Also known as.... NexGen: Most common credit score used by lenders. 

·         FTC - Federal Trade Commission.  

·         Goodwill adjustment - Adjustment made to your credit report in response to your Goodwill letter.  

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

·         I I B - Included in Bankruptcy.  

·         ITS - Intent to Sue  

·         JDB - Junk Debt Buyer or Bad Debt Buyer  

·         NCO - A collection agency many people find difficult to deal with.  

·         PG - Privacy Guard is an agency that provides online credit reports, credit monitoring and credit advice for a fee.  

·         PP - Permissible Purpose  

·         "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.  

·         " Trade line - An entry in your credit history.  

·         UDF - Universal Data Form. It’s the form that the subscribers (collectors, creditors, etc.) to the CRAs use to update/delete trade lines.