--- title: What are the special comment codes for consumer credit reporting? description: This part of the documentation describes the special comment codes for Consumer Credit Reporting. --- [Skip to content](https://help.themortgageoffice.com/knowledge/special-comment-codes#main-content) [![TMO-LO~1](https://help.themortgageoffice.com/hs-fs/hubfs/TMO-LO~1.png?width=200&height=65&name=TMO-LO~1.png)](https://www.themortgageoffice.com/) - [Platform](https://www.themortgageoffice.com/products/) Show submenu for Platform - [Loan Servicing](https://www.themortgageoffice.com/products/loan-servicing-software/) - [Loan Origination](https://www.themortgageoffice.com/products/loan-origination-software/) - [Fund Management](https://www.themortgageoffice.com/products/fund-management-software/) - [Knowledge Hub](https://www.themortgageoffice.com/knowledge-hub/) Show submenu for Knowledge Hub - [Blog](https://www.themortgageoffice.com/blog/) - [Resources](https://www.themortgageoffice.com/resources/) - [Webinars](https://www.themortgageoffice.com/resources/?_resource_types=on-demand-webinars) - [Seminars](https://www.themortgageoffice.com/seminars/) - [FAQs](https://www.themortgageoffice.com/frequently-asked-questions/) - [Release Notes](https://help.themortgageoffice.com/knowledge/release-notes) Open main navigation Close main navigation - [Platform](https://www.themortgageoffice.com/products/) Show submenu for Platform - [Loan Servicing](https://www.themortgageoffice.com/products/loan-servicing-software/) - [Loan Origination](https://www.themortgageoffice.com/products/loan-origination-software/) - [Fund Management](https://www.themortgageoffice.com/products/fund-management-software/) - [Knowledge Hub](https://www.themortgageoffice.com/knowledge-hub/) Show submenu for Knowledge Hub - [Blog](https://www.themortgageoffice.com/blog/) - [Resources](https://www.themortgageoffice.com/resources/) - [Webinars](https://www.themortgageoffice.com/resources/?_resource_types=on-demand-webinars) - [Seminars](https://www.themortgageoffice.com/seminars/) - [FAQs](https://www.themortgageoffice.com/frequently-asked-questions/) - [Release Notes](https://help.themortgageoffice.com/knowledge/release-notes) - [Contact Support](https://help.themortgageoffice.com/knowledge/kb-tickets/new) [Contact Support](https://help.themortgageoffice.com/knowledge/kb-tickets/new?hsLang=en) How can we help you? - There are no suggestions because the search field is empty. 1. [Knowledge Base](https://help.themortgageoffice.com/knowledge?hsLang=en) 2. [Consumer Credit Reporting (Metro-2)](https://help.themortgageoffice.com/knowledge/consumer-credit-reporting-metro-2?hsLang=en) 3. [Metro-2 Fundamentals](https://help.themortgageoffice.com/knowledge/consumer-credit-reporting-metro-2?hsLang=en#metro-2-fundamentals) October 9, 2026 # What are the special comment codes for consumer credit reporting? ## This part of the documentation describes the special comment codes for Consumer Credit Reporting. The Special Comment Code should be reported as long as the condition applies. The following table contains alisting of the special comment codes. NOTE: For comments specific to disputes and accounts closed at consumer’s request, refer to the **Compliance Code** information in [this](https://help.themortgageoffice.com/knowledge/to-add-or-edit-borrower-consumer-credit-information?hsLang=en) article. ### Special comment codes for Consumer Credit Reporting: | **Code:** | **Description:** | | --- | --- | | **Blank** | **Removes** any previously reported Special Comment Code. | | **B** | Account payments managed by financial counseling program. | | **C** | Paid by Co-maker. | | **H** | Loan assumed by another party. Requires ECOA Code T (Terminated). | | **I** | Election of remedy. **Definition:** A car or other item is repossessed, but the value is less than the balance due. The credit grantor must consider the account paid and cannot collect the difference in the amounts. | | **M** | Account closed at credit **grantor's request**. | | **O** | Account transferred to another lender. | | **S** | Special handling. Contact credit grantor for additional information. | | **V** | Adjustment pending. **Definition:** Account adjustment, such as returned merchandise and refund due. | | **AB** | Debt being paid through insurance. | | **AC** | Paying under a partial payment agreement. | | **AG** | Simple interest loan. **Definition**: Any loan where interest is compounded daily. | | **AH** | Purchased by another lender. | | **AI** | Recalled to active military duty. | | **AJ** | Payroll deduction. | | **AL** | Student loan permanently assigned to government. | | **AM** | Account payments assured by wage garnishment. | | **AN** | Account acquired by RTC/FDIC/NCUA. **Definition:** Resolution Trust Corp./Federal Deposit Insurance Corp./National Credit Union Administration | | **AO** | Voluntarily surrendered - then redeemed. | | **AP** | Credit Line suspended. **Definition:** The credit line is temporarily unavailable for use. | | **AS** | Account closed due to refinance. | | **AT** | Account closed due to transfer. NOTE: Used for internal transfers. | | **AU** | Account paid in full for less than the full balance. | | **AV** | First payment never received. COMMENT: May indicate fraudulent activity. | | **AW** | Affected by natural or declared disaster. | | **AX** | Account paid from collateral. | | **AZ** | Redeemed repossession. | | **BA** | Transferred to Recovery. Requires Account Status Code 71 - 97. | | **BB** | Full termination/status **pending**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BC** | Full termination/obligation **satisfied**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BD** | Full termination/balance **owing**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BE** | Early termination/status **pending**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BF** | Early termination/obligation **satisfied**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BG** | Early termination/balance **owing**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BH** | Early termination/insurance **loss**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BI** | Involuntary **repossession**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BJ** | Involuntary repossession/obligation **satisfied**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BK** | Involuntary repossession/balance **owing**. Requires Account Type 3A (Auto Lease) or 13 (Lease). | | **BL** | Credit card lost or stolen. | | **BN** | Paid by company which originally sold the merchandise. | | **BO** | Foreclosure proceedings started. | | **BP** | Paid through insurance. Requires Account Status Code 13 or 61-65 and Current Balance = 0. | | **BS** | Prepaid lease. Requires Account Type 3A (Auto Lease) or 13 (Lease). **Definition:** Consumer paid lease in advance. No monthly payments are due. | | **BT** | Principal deferred/Interest payment only. | | **CH** | Guaranteed/Insured. | | **CS** | Used by Child Support Agencies only when reporting collection accounts. 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