Settlement - This is when a a company forgives a portion of a debt. , Bankruptcy - This occurs when a consumer applies to a court for relief from their debts. , Consumer Credit Counseling Service (CCCS) - This is an organization that helps consumer to handle their debts and avoid bankruptcy. , Right Party Contact (RPC) - This is any time a collector speaks with someone we legally discuss the account and make payment with. , Finance charge - This is the periodic interest charge applied to an account when the balance is not paid in full each month. , Due Date - This is the date that a cardholder's payment is due. , Charged-Off Account - This occurs when an account rolls beyond 180 (revolving) days past due (bucket 6), Roll Rate - This is the remaining dollars at the end of a cycle divided by the starting dollars for that cycle. , Bucket - This is the level of delinquency. It indicates how far past due an account is. , Cycle Date - This is the date the account generates a statement and a new monthly minimum payment. ,

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