Special Comment Codes

Code

Description

AB

Debt paid through insurance. Account status code cannot be "13", "61", "62", "63", "64", or "65".

AC

Paying under a partial payment agreement. Account status code cannot be "13", "61", "62", "63", "64", or "65".

AG

Simple interest loan. Any loan where interest compounds daily.

AH

Purchased by another company.

AI

Recalled to active military duty.

AJ

Payroll deduction.

AM

Account payments assured through wage garnishment.

AN

Account acquired by Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA).

AP

Credit Line suspended. The credit line is temporarily unavailable for use.

AS

Account closed because of refinance.

AT

Account closed because of transfer. Used for internal transfers.

AU

Account paid in full for less than the full balance. Requires account status code "13", "61", "62", "63", "64", or "65" and a current balance of 0.

AV

First payment never received; could indicate fraudulent activity.

AW

Affected by natural or declared disaster.

AX

Account paid from collateral. Requires account status code "13", "61", "62", "63", "64", or "65" and a current balance of 0.

B

Financial counseling program manages the account payments.

BA

Transferred to Recovery. Requires account status code "71", "78", "80", "82", "83", "84", "88", "89", "93", "94", "95", "96", or "97".

BL

Credit card lost or stolen.

BN

Company that originally sold the merchandise paid. Requires account status code "13", "61", "62", "63", "64", or "65" and a current balance of 0.

BP

Paid through insurance. Requires account status code "13", "61", "62", "63", "64", or "65" and a current balance of 0.

BT

Principal deferred; interest payment only.

C

Co-maker or Guarantor pays. Requires account status code "13", "61", "62", "63", "64", or "65" and a current balance of 0.

CH

Guaranteed, insured.

CJ

Credit line no longer available; in repayment phase. Account status code cannot be "13", "61", "62", "63", "64", or "65" and the current balance cannot be 0.

Use for line of credit accounts that have two phases: the borrowing phase and the repayment phase. The repayment phase is a natural progression for the account when the consumer is responsible for payment of the outstanding balance and the credit line is no longer available for use.

CK

Credit line reduced because of collateral depreciation. Use for home equity or other secured line of credit accounts.

CM

Creditor released the collateral; balance owing. Account status code cannot be "13", "61", "62", "63", "64", or "65" and the current balance cannot be 0.

Use for mortgages, home equity, or other secured accounts when the creditor releases the collateral but the consumer still has an outstanding balance to repay.

CN

Loan modified under a federal government plan.

CO

Loan modified, but not under a federal government plan.

H

Another party assumed the loan. Requires ECOA Code "T" (Terminated).

M

Account closed at credit grantor's request.

O

Account transferred to another lender.

S

Special handling. Contact credit grantor for more information.

V

Adjustment pending. Account adjustment, such as returned merchandise or refund due.