Metro 2 Special Comment Code CJ: Closed

Specification

Code	CJ
Meaning	Closed - Paid Collection
Field	Special Comment (Field 31)
Record	Base Segment
Length / position	2 chars · 213–214
Category	Account and Credit-Line Closures
CRRG reference	CRRG Exhibits 6 & 7 (Special Comment Codes)

CJ belongs on a collection tradeline, whether furnished by an agency working the account or by a debt buyer that owns it.
CJ says the collection was paid. It does NOT say the underlying debt was never delinquent, and it does not remove the collection from the report.
CJ does NOT mean the balance was paid in full if it was settled for less. A settled-for-less-than-full outcome is carried by Account Status, not by this comment.
CJ does NOT apply to an original creditor's own account that simply paid off. That is an ordinary paid-and-closed outcome.
CJ is terminal and stays on the tradeline; there is no condition to remove later.

1A collection agency reports that a placed medical account was paid in full and closes the tradeline.
2A debt buyer closes a purchased card balance after the consumer completes payment.
3An agency working a defaulted utility balance closes the account after the consumer settles it.
4A recovery department closes a charged-off balance that the consumer paid after placement.

Populate Date Closed and report a zero Current Balance when the collection is satisfied.
Report the honest Account Status for the outcome, including where the account was settled rather than paid in full.
Do not report CJ while a balance remains outstanding.
Keep the Date of First Delinquency that came with the account from the original creditor; a paid collection never resets it.
If a K1 Original Creditor Name Segment is in use, keep it populated on the closing record so the consumer can identify the debt.

A file can be structurally valid and still be wrong. These are the cross-field conditions Special Comment Code CJ has to satisfy.

Current Balance and Amount Past Due must be zero, with Date Closed populated.
Account Status 13 (paid and closed with a zero balance) or the applicable paid-collection status is the natural partner; the account must not still report an open collection status.
A K1 Original Creditor Name Segment is expected on agency and debt-buyer tradelines so the consumer can trace the original obligation.
A K2 Purchased From/Sold To Segment applies where the debt was purchased rather than placed.
Date of First Delinquency carries forward from the original creditor and never moves on payment.