This chart groups the Special Comment Codes by topic and shows which Portfolio Types each code can be used with. A checkmark means the code is allowed for that Portfolio Type. For what each code means and its requirements, see Exhibit 7 — Special Comment Codes.
| Code | Description | Line of Credit | Installment | Mortgage | Open | Revolving |
|---|---|---|---|---|---|---|
| Closed (permanently or temporarily) | ||||||
| I | Election of remedy | ✓ | ✓ | |||
| M | Closed by credit grantor | ✓ | ✓ | ✓ | ||
| AP | Credit line suspended | ✓ | ✓ | ✓ | ||
| AS | Closed due to refinance | ✓ | ✓ | ✓ | ||
| AT | Closed due to transfer | ✓ | ✓ | ✓ | ✓ | ✓ |
| BL | Credit card lost or stolen | ✓ | ✓ | |||
| CI | Closed due to inactivity | ✓ | ✓ | ✓ | ||
| CJ | Credit line closed — in repayment phase | ✓ | ||||
| CL | Credit line suspended — collateral lost value | ✓ | ||||
| Leasing | ||||||
| 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 — balance owing | ✓ | ||||
| BH | Early termination — insurance loss | ✓ | ||||
| BI | Involuntary repossession | ✓ | ||||
| BJ | Involuntary repossession — obligation satisfied | ✓ | ||||
| BK | Involuntary repossession — balance owing | ✓ | ||||
| BS | Prepaid lease | ✓ | ||||
| Legal action | ||||||
| AM | Wage garnishment | ✓ | ✓ | ✓ | ✓ | ✓ |
| Other | ||||||
| S | Special handling | ✓ | ✓ | ✓ | ✓ | ✓ |
| V | Adjustment pending | ✓ | ✓ | ✓ | ✓ | ✓ |
| AV | First payment never received | ✓ | ✓ | ✓ | ✓ | ✓ |
| AW | Affected by natural or declared disaster | ✓ | ✓ | ✓ | ✓ | ✓ |
| AZ | Redeemed or reinstated repossession | ✓ | ✓ | |||
| BO | Foreclosure started | ✓ | ✓ | |||
| CH | Guaranteed or insured | ✓ | ✓ | ✓ | ✓ | ✓ |
| CK | Credit line reduced — collateral lost value | ✓ | ||||
| CM | Collateral released — balance owing | ✓ | ✓ | ✓ | ✓ | |
| CN | Modified under a federal government plan | ✓ | ✓ | ✓ | ✓ | ✓ |
| CO | Loan modified | ✓ | ✓ | ✓ | ✓ | ✓ |
| CS | Child support agency use | ✓ | ||||
| DE | Debt extinguished under state law | ✓ | ✓ | ✓ | ✓ | ✓ |
| Refinanced | ||||||
| AS | Closed due to refinance | ✓ | ✓ | ✓ | ||
| Removing a comment | ||||||
| Blank | No comment | ✓ | ✓ | ✓ | ✓ | ✓ |
| Sold | ||||||
| AH | Purchased by another company | ✓ | ✓ | ✓ | ✓ | ✓ |
| Special payment arrangements | ||||||
| B | Financial counseling program | ✓ | ✓ | ✓ | ✓ | ✓ |
| C | Paid by co-maker or guarantor | ✓ | ✓ | ✓ | ✓ | ✓ |
| AB | Being paid through insurance | ✓ | ✓ | ✓ | ✓ | ✓ |
| AC | Partial payment agreement | ✓ | ✓ | ✓ | ✓ | ✓ |
| AI | Recalled to active military duty | ✓ | ✓ | ✓ | ✓ | ✓ |
| AO | Surrendered, then redeemed or reinstated | ✓ | ✓ | |||
| AU | Paid in full for less than the full balance | ✓ | ✓ | ✓ | ✓ | ✓ |
| AX | Paid from collateral | ✓ | ✓ | ✓ | ||
| BN | Paid by the original seller | ✓ | ||||
| BP | Paid through insurance | ✓ | ✓ | ✓ | ✓ | ✓ |
| BT | Principal deferred / interest only | ✓ | ✓ | ✓ | ✓ | |
| CP | In forbearance | ✓ | ✓ | ✓ | ✓ | ✓ |
| Transferred | ||||||
| AT | Closed due to transfer | ✓ | ✓ | ✓ | ✓ | ✓ |
| H | Loan assumed by another party | ✓ | ✓ | |||
| O | Transferred to another company or servicer | ✓ | ✓ | ✓ | ✓ | ✓ |
| AN | Acquired by FDIC/NCUA | ✓ | ✓ | ✓ | ✓ | ✓ |
| BA | Transferred to recovery | ✓ | ✓ | ✓ | ✓ | ✓ |
Based on the CDIA Credit Reporting Resource Guide® (2026), Exhibit 6. Descriptions and examples are M2 Reporter’s; see the CRRG® for complete reporting guidelines.