The Essential Reference for Personal and Business Credit Knowledge
Credit Intelligence™ Glossary
Last reviewed and updated: March 2026
- Account Access Level
- Account Age
- Account Closure
- Account Diversity
- Account Longevity
- Account Opening Date
- Account Ownership
- Account Permissions
- Account Reinstatement
- Account Remarks
- Account Review
- Account Status
- Account Stress
- Account Suppression
- Account Termination
- Account Total
- Accuracy Standards
- Adverse Account Action
- Adverse Action Notice
- Adverse Change
- Aggregate Utilization
- Amortization
- Annual Fee
- Annual Fee Offset
- Annual Percentage Rate (APR)
- Application Velocity
- Application Verification
- Approval Friction
- Approval Odds
- Approval Standards
- Approved Limit
- Authorization
- Authorization Flow
- Authorization Hold
- Authorized Officer
- Authorized User
- Authorized User Account
- Authorized User Tradeline
- Automated Teller Machine (ATM)
- Automatic Line Review
- Auto-Pay Date
- Available Balance
- Available Credit
- Average Account Tenure
- Average Age of Accounts (AAoA)
- Average Daily Balance
- Balance
- Balance Persistence
- Balance Sheet
- Balance Spike
- Balance-to-Limit Ratio
- Balance Transfer
- Balance Transfer APR
- Bank Account Verification
- Bankruptcy
- Behavioral Credit Data
- Behavioral Stability
- Beneficial Owner
- Billing Balance
- Billing Cutoff
- Billing Cycle
- Billing Dispute
- Billing Due Date
- Billing Grace
- Billing Mechanics
- Blended Credit Profile
- Borrower
- Borrowing Agreement
- Budget Activity
- Business Address Verification
- Business Charge-Off
- Business Credit
- Business Credit Builder
- Business Credit Bureau
- Business Credit File
- Business Credit Limit
- Business Credit Profile
- Business Credit Report
- Business Credit Risk
- Business Credit Score
- Business Credit Utilization
- Business Debt-to-Income Ratio
- Business Entity Verification
- Business Failure Score (Equifax)
- Business Financial Statements
- Business Gross Revenue
- Business Guarantor
- Business Line of Credit
- Business Net Income
- Business Risk Score
- Business Travel Spend
- Capacity
- Capital Expense
- Capitalized Interest
- Cardholder Agreement
- Card Network
- Card Usage Behavior
- Carrying a Balance
- Cash Advance
- Cash Advance APR
- Cash Back
- Cash Flow
- Cash Gap
- Cash Reserves
- Category Multiplier
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Charge Authorization
- Chargeback
- Charge Card
- Charge-Off Date
- Charge-Offs
- Civil Judgment
- Closed Account
- Closing Balance
- Closing Old Accounts
- Collection Assignment Date
- Collections
- Commercial Collections
- Commercial Credit
- Commercial Delinquency
- Compliance Date
- Compound Interest
- Consumer Disclosure
- Consumer File
- Consumer Liability Reporting
- Consumer Rights
- Consumer Statement
- Continuing Guarantee
- Contractual Obligation
- Convenience Check
- Corporate Veil
- Correction Process
- Co-Signer Liability
- Credit
- Credit Access
- Credit Agreement
- Credit Alert
- Credit Application
- Credit Buffer
- Credit Builder Accounts
- Credit Builder Loan
- Credit Bureau
- Credit Bureau Credit Reporting Agency
- Credit Capacity
- Credit Card Comparison
- Credit Ceiling
- Credit Check
- Credit Composition
- Credit Counseling
- Credit Cushion
- Credit Dispute Letter
- Credit Ecosystem
- Credit Exposure
- Credit File
- Credit File Age
- Credit File Freeze
- Credit Float
- Credit Grantor
- Credit History
- Credit Limit
- Credit Limit Increase (CLI)
- Credit Line Decrease
- Credit Line Management (CLM)
- Credit Load
- Credit Lock
- Credit Mix
- Credit Monitoring
- Credit Obligation
- Credit Optimization
- Creditor
- Credit Piggybacking
- Credit Pricing
- Credit Processing
- Credit Purpose
- Credit Recommendation
- Credit Repair Services
- Credit Report
- Credit Reporting Agency
- Credit Repository
- Credit Risk
- Credit Risk Transfer
- Credit Score
- Credit Score Monitoring
- Credit Score Range
- Credit Seeking
- Credit System
- Credit Terms
- Credit Usage
- Credit Utilization
- Creditworthiness
- Currency Conversion
- Current Balance
- Cut Off Time
- Cycle Balance
- Cycle Close
- Daily Expenses
- Daily Periodic Rate
- Data Aggregator
- Data Aging
- Data Coverage
- Data Fields
- Data Integrity
- Data Matching
- Date of First Delinquency (DOFD)
- Date Reported
- Days Beyond Terms
- D&B Business Risk Profile
- D&B Credit Report
- D&B Data Furnisher
- D&B Delinquency Predictor
- D&B Failure Score
- D&B Rating
- D&B Viability Rating
- Debt-to-Income Ratio (DTI)
- Decision Engine
- Decline Reason Code
- Default
- Default Responsibility
- Default Risk Signal
- Deferred Obligation
- Deferred Payment
- Delinquency
- Delinquency Predictor Score
- Direct Deposit
- Disclosure Rights
- Dispute Investigation
- Dispute Outcome
- Dual Liability Account
- Due Date
- D-U-N-S® Number
- Early Payment
- Earn Rate
- Emergency Fund
- Enforcement Differences
- Entity Isolation
- Equifax Business Credit Report
- Equifax Business Credit Risk Score
- Equifax Business Delinquency Score
- Equifax Data Furnisher
- Expense Classification
- Expense Reconciliation
- Experian Business Credit Report
- Experian Business Credit Utilization
- Experian Business Fraud Score
- Experian Business Identity
- Experian Commercial Score
- Experian Credit Limit Recommendation
- Experian Data Furnisher
- Experian Payment Index
- Experian Risk Class
- Exposure Management
- Exposure Rebalancing
- Extended Fraud Alert
- Failure Score
- Fair Credit Reporting Act (FCRA)
- Federal Deposit Insurance Corporation (FDIC)
- FICO Score
- File Maturity
- Finance Charge
- Financing Window
- Firmographics
- Fixed Payment Loan
- Foreign Transaction Fee
- Fraud Risk
- Furnisher Network
- Furnisher Reporting Cycle
- Good Credit
- Grace End Date
- Grace Loss
- Grace Period
- Grace Restoration
- Guarantee Release
- Guarantor Liability
- Hard Inquiry
- High Credit
- History Length
- Identity Matching
- Identity Matching Logic
- Identity Risk
- Identity Verification
- Impaired Credit
- Inaccurate Reporting
- Inactivity Closure
- Income-Based Approval
- Income Verification
- Inquiry
- Inquiry Impact
- Installment Account
- Intelliscore Plus
- Interchange
- Interest
- Interest Accrual
- Interest-Free Period
- Interest Rate
- Interest Start Date
- Introductory APR
- Issuer Approval Criteria
- Issuer Concentration
- Issuer-Initiated Reduction
- Issuer Loss Mitigation
- Issuer Risk Controls
- Issuer Risk Models
- Issuer Threshold
- Joint Responsibility
- Late Cutoff
- Late Fee
- Late Payment
- Ledger Balance
- Legal Commitment
- Lending Relationship
- Liability Assignment
- Limit Band
- Limited Guarantee
- Limited Liability Entity
- Line of Credit
- Liquidity
- Liquidity Shortfall
- Loan Term
- Loan Types
- Loss Given Default (LGD)
- Low Utilization
- Major Purchase
- Manual Line Review
- Maximum Exposure
- Merchant Category Code (MCC)
- Metro 2
- Minimum Payment
- Minimum Payment Formula
- Mixed Credit File
- Mix Weighting
- Monthly Balance
- Monthly Maintenance Fee
- NAICS Code
- Net 30
- Net 60
- Net 90
- Net Income
- Net Terms
- Obsolescence Period
- Oldest Account
- On-Time Payments
- Open Account
- Open Credit Line
- Operating Expense
- Outstanding Balance
- Overextension
- Overlimit
- Overlimit Fee
- Overutilization
- Pattern-Based Evaluation
- PAYDEX Score
- Payment Consistency
- Payment Deadline
- Payment Discipline
- Payment Flexibility
- Payment History Grid
- Payment Posting Date
- Payment Protection
- Payment Records
- Payment Reliability
- Payment Status Code
- Payment Structure
- Payment Window
- Penalty APR
- Pending Authorization
- Pending Charges
- Per-Account Utilization
- Permissible Use
- Personal Credit Contamination
- Personal Credit Exposure
- Personal Guarantor
- Personal Liability Exposure
- Personally Liable Business Debt
- Personal Obligation
- Points Program
- Policy Overlay
- Portfolio Balance
- Portfolio Risk Management
- Posted Balance
- Posting Date
- Posting Timeline
- Probability of Default (PD)
- Procurement Cycle
- Product Tier
- Product Variety
- Purchase APR
- Purchase Authorization
- Purchase Behavior
- Purchase Timing
- Purchasing Power
- Re-Aging
- Reason Codes
- Record Lifecycle
- Redemption Value
- Reimbursement
- Reinvestigation
- Reinvestigation Rights
- Remaining Credit
- Removal Schedule
- Reported Amount
- Reporting Cut Date
- Reporting Cycle
- Reporting Date
- Reporting Eligibility
- Reporting Error
- Reporting Scope
- Reporting System
- Reporting Timeline
- Reporting Utilization
- Report Sections
- Residual Interest (Trailing Interest)
- Retention Limits
- Returned Payment
- Revolving Credit
- Reward Structure
- Risk-Based Limit Adjustment
- Risk Cap
- Risk Responsibility
- Risk Segmentation
- Risk Signal
- Risk Tolerance
- Risk Transfer
- Routine Charges
- Score Chasing
- Score Factors
- Score Version
- Scoring Model
- Secretary of State Filing
- Secured Credit
- Settlement
- Settlement Process
- Shared Obligation
- Short-Term Financing
- SIC Code
- Soft Inquiry
- Spending Headroom
- Spending Patterns
- Spending Permission
- Spend Planning
- Split Credit File
- Stability Indicators
- Statement Balance
- Statement Closing Date
- Statement Date
- Statement Total
- Status Indicators
- Structural Separation
- Thin Credit File
- Time-Based Value
- Time Horizon (Credit Scoring)
- Time Value of Money
- Trade Account
- Trade Credit
- Trade Experience
- Tradeline Status
- Transaction Date
- Transaction Frequency
- Transaction Lifecycle
- Transaction Sum
- Travel Expense Tracking
- Travel Miles
- Trust Mechanism
- UCC-1 Financing Statement
- UCC Filing
- Unlimited Guarantee
- Unsecured Credit
- Usable Credit
- Usage Threshold
- User Removal
- User Restrictions
- Utilization Percentage
- Utilization Range
- Utilization Ratio
- Utilization Snapshot
- Utilization Surge
- Utilization Threshold
- VantageScore
- Variable APR
- Variable Balance Account
- Veil Piercing
- Vendor Spend
- Verification Process
- Working Capital
- Zero Utilization Reporting