Field 31OptionalCompliance Fields
Metro 2 Field 31: Special Comment
Two-character code providing additional context about the account. Can explain circumstances or provide compliance information.
Quick Reference
Field Number:31
Position:213-214
Length:2 characters
Type:code
Record:Base Segment
Required:No
Allowed Values
| Value | Meaning |
|---|---|
| No special comment reported | |
| B | Account in Forbearance |
| C | Account in Extended Forbearance |
| AB | Agreement in Place |
| AC | Interest-Only Payments |
| AI | Deferred Payment |
| AM | Legal Action Pending or Judgment |
| AN | Transferred to Another Office |
| AP | Closed at Consumer's Request |
| AS | Refinanced or Replaced |
| AU | Repayment Plan |
| AX | Account Paid From Collateral |
| BN | Paid by Insurance |
| BP | Paid by Dealer or Merchant |
| BT | Paid by Government |
| CH | Credit Line Closed - Grantor |
| CI | Credit Line Closed - Consumer |
| CJ | Closed - Paid Collection |
| CL | Closed - Paid Lease |
| CM | Account Closed |
| CN | Loan Modified |
| CO | Co-Maker Released |
| CP | Account in Partial Payment |
| H | Transferred |
| O | Transferred |
Special Comment Codes: full reference
Adds a short standardized narrative to a tradeline explaining an unusual arrangement such as forbearance, a payment plan, a transfer, or a closure. Each code has its own page covering what it means, when to report it, and the cross-field rules it has to satisfy.
BAccount in ForbearanceCAccount in Extended ForbearanceABAgreement in PlaceACInterest-Only PaymentsAIDeferred PaymentAMLegal Action Pending or JudgmentANTransferred to Another OfficeAPClosed at Consumer's RequestASRefinanced or ReplacedAURepayment PlanAXAccount Paid From CollateralBNPaid by InsuranceBPPaid by Dealer or MerchantBTPaid by GovernmentCHCredit Line Closed - GrantorCICredit Line Closed - ConsumerCJClosed - Paid CollectionCLClosed - Paid LeaseCMAccount ClosedCNLoan ModifiedCOCo-Maker ReleasedCPAccount in Partial PaymentHTransferredOTransferred
Validation Rules
- Must be a valid CRRG Special Comment code if provided
- Leave blank rather than guessing: the comment prints on the consumer's file
- Codes BB-BK, BS (lease terminations) and S, V, AV, AW, AZ exist in CRRG Exhibits 6 & 7 but no in-repo source states their individual meanings, so they are not listed above. They are still structurally valid Metro 2 values and a validator must not reject a file for using one — confirm the meaning against your own copy of the CRRG before reporting it
Examples
ABAU Common Errors
- Using a comment that conflicts with Account Status
- Not removing a temporary comment when the arrangement ends
- Reporting a dispute here instead of on the Compliance Condition Code
Tips & Best Practices
- Use 'AP' when the consumer requests closure, not 'AC'
- Use 'AU' for an active repayment plan and clear it when the plan ends
- Disputes belong on the Compliance Condition Code, not here
Related Fields
Other Compliance Fields
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