CLAccount and Credit-Line Closures

    Special Comment Code CL: Closed - Paid Lease

    Special Comment Code CL means "Closed - Paid Lease". A lease reached its end and the lessee's obligation was satisfied. The tradeline closes with the lease paid. It is reported in Special Comment (Field 31) of the Base Segment, 2 characters at position 213.

    Specification

    CodeCL
    MeaningClosed - Paid Lease
    FieldSpecial Comment (Field 31)
    RecordBase Segment
    Length / position2 chars · 213–214
    CategoryAccount and Credit-Line Closures
    CRRG referenceCRRG Exhibits 6 & 7 (Special Comment Codes)

    What Special Comment Code CL means

    • CL is lease-specific: it says the closed obligation was a lease and it was paid.
    • CL covers the ordinary end of a lease. It does NOT describe an early termination with amounts outstanding.
    • CL does NOT mean the lessee purchased the asset. A lease-end purchase is normally a separate financing tradeline.
    • CL does NOT apply to a loan. A financed purchase that pays off is not a paid lease.
    • The source's lease-specific termination range (BB-BK and BS) carried no per-code meaning and is not published in this library, so CL is the lease comment this set can support.

    When to report CL

    • 1An auto lessee returns the vehicle at scheduled lease end with all payments made and no outstanding charges.
    • 2An equipment lessor closes a fully performed commercial lease at term.
    • 3A lessee completes the final scheduled payment on a consumer lease and the account is closed.
    • 4A lease is bought out at term and the lease tradeline closes as paid while any new financing reports separately.

    Reporting rules

    • Report CL with a zero Current Balance and a populated Date Closed.
    • Do not report CL where end-of-lease charges, excess-wear amounts, or excess-mileage amounts remain unpaid.
    • Do not use CL on an installment loan or a revolving account.
    • If the lease terminated early with a deficiency, report the deficiency honestly rather than closing the tradeline as a paid lease.
    • Keep the lease's payment history intact through closure.

    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 CL has to satisfy.

    • Current Balance and Amount Past Due must be zero, and Date Closed must be populated.
    • Account Status should report a paid and closed condition consistent with a fully performed lease.
    • Terms Duration should match the lease term actually served, and Terms Frequency should match the lease's billing cadence (commonly M for monthly).
    • Portfolio Type must be consistent with how the lease portfolio is furnished; a lease reported under Portfolio Type R (Revolving) is a contradiction.
    • A K4 Specialized Payment Information Segment may accompany lease reporting where the portfolio uses it.

    Common errors involving CL

    G002
    Invalid Special Comment Code
    The special comment code is not recognized
    B013
    Terms Frequency Mismatch
    The payment terms don't match the payment frequency
    B012
    Portfolio Type Mismatch
    The portfolio type does not match the account type or terms

    Vocabulary

    Special Comment CodeTerms Duration

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    Source: CRRG Exhibits 6 & 7 (Special Comment Codes). Last reviewed 2026-08-25.

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    Metro 2 Special Comment Code CL: Closed - Paid Lease