Glossary of Credit Abbreviations

30 DAY DEL -- Account past due 30 days

30 2 TIMES -- Account past due 30 days 2 times

30 6+TIMES -- Account past due 30 days 6 times or more

30 WAS 60 -- Account was delinquent 60 days, now 30 days

BAD DEBT -- Bad debt; placed for collection; written off to profit and loss

BK 7-FILE -- Voluntary or involuntary petition for Chapter 7 bankruptcy

BK 7-DISC -- Voluntary or involuntary petition in Chapter 7 bankruptcy discharged

BK 7-DISM -- Voluntary or involuntary petition in Chapter 7 bankruptcy dismissed

BK 11-FILE -- Voluntary or involuntary petition in Chapter 11 bankruptcy filed

BK 13-FILE -- Petition in Bankruptcy Chapter 13 filed

BK 13-COMP -- Petition in Bankruptcy Chapter 13 completed

BK ADJ PLN -- Debt included in or completed through Bankruptcy Chapter 13

BK DISC -- Bankruptcy discharged

BK LIQ REO -- Debt included in or discharged through Bankruptcy Chapter 7 or 11

CH 13 CASE -- Chapter 13 bankruptcy

CHARGE OFF -- Unpaid balance reported as a loss by credit grantor

CHATTEL MO -- Chattel mortgage

CIV JD SAT -- Civil judgment satisfied

CLOS INAC -- Closed inactive account

CLOS NP AA -- Credit line closed, not paying as agreed

COLL ACCT -- Account seriously past due; account assigned to attorney, collection agency or credit grantor's internal collection department

CO NOW PAY -- Now paying, was a charge-off

COUNSEL SER -- Debt counseling service

CO TAX LN -- County tax lien

CO TAX REL -- County tax lien released

CR CD LOST -- Credit card lost or stolen

CR LN CLOS -- Credit line closed, reason unknown or by consumer request; there may be a balance due

CR LN RNST -- Account now available for use and is in good standing. Was a closed account

CURR ACCT -- This is either an open or closed account in good standing

CUR WASCOL -- Current account was a collection account

CUR WAS DL -- Current account was past due

CUR WAS FOR -- Current account. Foreclosure was started.

CUR WAS 30 -- Current account was 30 days past due

CURWAS 30-2 -- Current account was 30 days past due twice

CURWAS 30-3 -- Current account was 30 days past due 3 times

CURWAS 30+6 -- Current account was 30 days past due 6 times or more

CUR WAS 180 -- Current account was 180 days or more delinquent

CV SUIT FI -- Civil suit filed

DECEASED -- Consumer deceased

DELINQ 60 -- Account delinquent 60 days

DELINQ 90 -- Account delinquent 90 days

DELINQ 180 -- Account delinquent 180 days

DEL WAS 90 -- Account was delinquent 90 days, now 30 or 60 days

DEL WAS 120 -- Account was delinquent 120 days, now 30, 60, or 90 days

DEFLT JDGMT -- Judgment by default

FED TAX LN -- Federal tax lien

FED TX REL -- Federal tax lien released

FIN COUNS -- Financial counselling

FIN DIVORCE -- Final divorce

FIN STMENT -- Financial statement

FORECLOSURE -- Credit grantor sold collateral to settle defaulted mortgage

FORE PROC -- Foreclosure proceeding started

GOV CLAIM -- Claim filed with government for insured portion of loan balance

INS CLAIM -- Claim filed for payment of insured portion of balance

JD DEFAULT -- Judgment by default

JUDJ RELEA -- Judgment released

JUDGMT SAT -- Judgment satisfied

JUDG VACAT -- Judgment vacated or reversed

MECH LIEN -- Mechanics lien

MECH RELE -- Mechanics lien released

NOT PD AA -- Account not being paid as agreed

NT RESPON -- Not responsible notice e.g., husband or wife claims not responsible for debts incurred by the spouse

OVER 30 -- Pays (or paid) in more than 30 days, but not more than 60 days,

1 PAST DUE -- Not more than 1 payment past due

OVER 90 -- Pays (or paid) in more than 90 days, but not more than

3 PAST DUE 120 days -- 3 or more payments past due

OVER 120 -- Pays (or paid) in 120 days or more

PD BY DLER -- Credit grantor paid by company who originally sold the goods

PD CHG OFF -- Paid account, was a charge-off

PD COLL AC -- Paid account, was a collection account, insurance claim or education claim

PD FORECLO -- Paid account. A foreclosure was started

PD NOT AA -- Paid account. Some payments were made past agreed due dates

PD REPO -- Paid account, was a repossession

PD WAS 30 -- Paid account, was past due 30 days

PD WAS 30-2 -- Paid account, was past due 30 days 2 or 3 times

PD WAS 30-4 -- Paid account, was past due 30 days 4 times

PD WAS 30+6 -- Paid account, was past due 30 days 6 times or more

PD WAS 180 -- Paid account, was delinquent 180 days or more

REMD REPO -- Account was a repossession, now redeemed

REPO -- Merchandise taken back by credit grantor; balance may be due

SCNL -- Credit grantor cannot locate consumer

SCNL NWLOC -- Credit grantor could not locate consumer, consumer now located

SETTLED -- Account legally paid in full for less than the full balance

SLOW PAY -- Not paying as agreed

STAT TX LN -- State tax lien

STA TX REL -- State tax lien released

SUIT DISMD -- Suit dismissed or discontinued

TOO NEW RT -- Too new to rate

TRANSFERRED -- Account transferred to another office

VOLUN REPO -- Voluntary repossession

WAGE ASIGN -- Wage assignment

WAGE EARNR -- Making payments under Wage Earner Account Plan (Chapter 13 bankruptcy)

W/A RELEASE -- Wage assignment released