Following are codes that can be entered in to the Credit bureau comment fields on the Credit Bureau Reporting Information screen.
(Source: “Credit Reporting Resource Guide,” Consumer Data Industry Association, 2004)
Code
Description
Blank
Removes any previously reported Special Comment Code.
B
Account payments managed by Credit Counseling Service.
C
Paid by Co-maker.
H
Loan assumed by another party.
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.
AH
Purchased by another lender.
AI
Recalled to active military duty.
AL
Student loan permanently assigned to government.
AM
Account payments assured by wage garnishment.
AN
Account acquired by FDIC/NCUA.
AO
Voluntarily surrendered - then redeemed.
AP
Credit Line suspended.
Definition: 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 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/balancing 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 and Current Balance = 0.
BS
Prepaid lease.
Definition: Consumer paid lease in advance. No monthly payments are due.
Requires Account type 3A (Auto Lease) or 13 (Lease)
BT
Principal deferred/Interest payment only.
CH
Guaranteed/Insured
CI
Account Closed due to inactivity
CJ
Credit Line no longer available - in repayment phase.
Definition: To be used for line of credit accounts that have two phases: the borrowing phase and the repayment phase.
CK
Credit line reduced due to collateral depreciation
Definition: To be used for Home Equity or other secured line of credit accounts.
CL
Credit line suspended due to collateral depreciation
Definition: To be used for Home Equity or other secured line of credit accounts when the credit line is temporarily unavailable for use.
CM
Collateral released by creditor / Balance Owing
Definition: To be used for Mortgages, Home Equity or other secured accounts when the collateral is released, but the consumer still has an outstanding balance to repay.
CN
Loan modified under a federal government plan
CO
Loan modified
Definition: To be used when reporting loans that are modified, but not under a federal government plan.
CP
Account in Forebearance.
CS
Used by Child Support Agencies only when reporting collection amounts. (No actual comment displays.)
Code
Description
AN
Account acquired by RTC/FDIC/NCUA.
M
Account closed at credit grantor's request.
AS
Account closed due to refinance.
AT
Account closed due to transfer.
NOTE: Used for internal transfers.
AX
Account paid from collateral.
AU
Account paid in full for less than the full balance
AM
Account payments assured by wage garnishment.
B
Account payments managed by Credit Counseling Service.
O
Account transferred to another lender.
V
Adjustment pending.
Definition: Account adjustment, such as returned merchandise and refund due.
AW
Affected by natural disaster.
BL
Credit card lost or stolen.
AP
Credit Line suspended.
Definition: Credit line is temporarily unavailable for use.
AB
Debt being paid through insurance.
BG
Early termination/balancing owing.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
BH
Early termination/insurance loss.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
BF
Early termination/obligation satisfied.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
BE
Early termination/status pending.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
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.
AV
First payment never received.
Comment: May indicate fraudulent activity.
BO
Foreclosure proceedings started.
BD
Full termination/balance owing.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
BC
Full termination/obligation satisfied.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
BB
Full termination/status pending.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
CH
Guaranteed/Insured
BI
Involuntary repossession.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
BK
Involuntary repossession/balance owing.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
BJ
Involuntary repossession/obligation satisfied.
Requires Account Type 3A (Auto Lease) or 13 (Lease).
H
Loan assumed by another party.
C
Paid by Co-maker.
BN
Paid by company which originally sold the merchandise.
BP
Paid through insurance.
Requires Account Status Code 13 and Current Balance = 0.
AC
Paying under a partial payment agreement.
AJ
Payroll deduction.
BS
Prepaid lease.
Definition: Consumer paid lease in advance. No monthly payments are due.
BT
Principal deferred/Interest payment only.
AH
Purchased by another lender.
AI
Recalled to active military duty.
AZ
Redeemed repossession.
Blank
Removes any previously reported Special Comment Code.
AG
Simple interest loan.
Definition: Any loan where interest is compounded daily.
S
Special handling. Contact credit grantor for additional information.
AL
Student loan permanently assigned to government.
BA
Transferred to Recovery.
Requires Account Status Code 71 - 97.
CS
Used by Child Support Agencies only when reporting collection amounts. (No actual comment displays.)
AO
Voluntarily surrendered - then redeemed.
