ANTransfers, Refinances and Replacements
Special Comment Code AN: Transferred to Another Office
Special Comment Code AN means "Transferred to Another Office". The account has been moved to a different office, branch, or servicing unit of the same organization. The obligation did not change hands to an unrelated party. It is reported in Special Comment (Field 31) of the Base Segment, 2 characters at position 213.
Specification
| Code | AN |
|---|---|
| Meaning | Transferred to Another Office |
| Field | Special Comment (Field 31) |
| Record | Base Segment |
| Length / position | 2 chars · 213–214 |
| Category | Transfers, Refinances and Replacements |
| CRRG reference | CRRG Exhibits 6 & 7 (Special Comment Codes) |
What Special Comment Code AN means
- AN describes an internal move: another office of the same furnisher now owns the servicing relationship.
- AN does NOT mean the account was sold. A sale to a different company is a purchased-from/sold-to event carried by the K2 Segment and, where applicable, the AS comment.
- AN does NOT change what the consumer owes or the history that came before the move.
- Use AN once, in the cycle the transfer happens. Repeating it indefinitely turns a one-time event into permanent noise on the report.
- AN and the generic transferred comments (H and O) overlap in plain English. AN is the one that specifically names another office of the same organization.
When to report AN
- 1A bank moves a delinquent portfolio from branch servicing to its centralized recovery office.
- 2A servicer consolidates a regional loan book into a national servicing center under the same corporate entity.
- 3A credit union transfers member loans from a merged branch's system into the surviving branch's system.
- 4A lender routes an account from standard servicing to its special-assets group.
Reporting rules
- Report AN in the cycle the transfer takes effect and then drop it once the receiving office is reporting normally.
- Do not use AN when the account was sold or assigned to a different company.
- Make sure only one office furnishes the account after the move. Two offices reporting the same obligation creates a duplicate tradeline.
- If the account number changed as part of the move, report the change through the L1 Segment rather than leaving two numbers in circulation.
- Keep the payment history intact across the transfer. An internal move must not restart the tradeline.
Codes and fields that must agree
A file can be structurally valid and still be wrong. These are the cross-field conditions Special Comment Code AN has to satisfy.
- Account Status 05 (transferred to another office) is the natural partner status when the transferring office is closing out its reporting of the account.
- If the account number or identification changed, an L1 Account Number Change Segment must accompany the record.
- No K2 Segment is appropriate for an internal office move; K2 describes a purchase or sale between parties.
- Date of First Delinquency and the Payment History Profile carry forward unchanged to the receiving office.
- Date Opened stays at the original origination date. A transfer never re-ages the account.
Common errors involving AN
Vocabulary
Keep browsing
- All 24 special comment codes — the full set with categories and cross-field rules.
- Metro 2 codes cheat sheet — every CRRG code set on one page.
- Special Comment field reference — position, length, and validation rules.
- Metro 2 format reference
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