Credit Bureau Comment Codes
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)
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NOTE: If you wish to enter a 2-character code, enter the first letter into the first field, and the second letter into the second field. For a one-character code, use the first field only.
Credit Bureau Comment Codes - sorted by code
Click here to view the list sorted by description
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. |
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. |
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. |
AS |
Account closed due to refinance. |
AT |
Account closed due to transfer. |
AU |
Account paid in full for less than the full balance |
AV |
First payment never received. |
AW |
Affected by natural disaster. |
AX |
Account paid from collateral. |
AZ |
Redeemed repossession. |
BA |
Transferred to Recovery. |
BB |
Full termination/status pending. |
BC |
Full termination/obligation satisfied. |
BD |
Full termination/balance owing. |
BE |
Early termination/status pending. |
BF |
Early termination/obligation satisfied. |
BG |
Early termination/balancing owing. |
BH |
Early termination/insurance loss. |
BI |
Involuntary repossession. |
BJ |
Involuntary repossession/obligation satisfied. |
BK |
Involuntary repossession/balance owing. |
BL |
Credit card lost or stolen. |
BN |
Paid by company which originally sold the merchandise. |
BO |
Foreclosure proceedings started. |
BP |
Paid through insurance. |
BS |
Prepaid lease 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.) |
Credit Bureau Comment Codes - sorted by description
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. |
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. |
AW |
Affected by natural disaster. |
BL |
Credit card lost or stolen. |
AP |
Credit Line suspended. |
AB |
Debt being paid through insurance. |
BG |
Early termination/balancing owing. |
BH |
Early termination/insurance loss. |
BF |
Early termination/obligation satisfied. |
BE |
Early termination/status pending. |
I |
Election of remedy. |
AV |
First payment never received. |
BO |
Foreclosure proceedings started. |
BD |
Full termination/balance owing. |
BC |
Full termination/obligation satisfied. |
BB |
Full termination/status pending. |
CH |
Guaranteed/Insured |
BI |
Involuntary repossession. |
BK |
Involuntary repossession/balance owing. |
BJ |
Involuntary repossession/obligation satisfied. |
H |
Loan assumed by another party. |
C |
Paid by Co-maker. |
BN |
Paid by company which originally sold the merchandise. |
BP |
Paid through insurance. |
AC |
Paying under a partial payment agreement. |
AJ |
Payroll deduction. |
BS |
Prepaid lease. |
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. |
S |
Special handling. Contact credit grantor for additional information. |
AL |
Student loan permanently assigned to government. |
BA |
Transferred to Recovery. |
CS |
Used by Child Support Agencies only when reporting collection amounts. (No actual comment displays.) |
AO |
Voluntarily surrendered - then redeemed. |