Metro 2 special comment code AB: debt being paid through insurance
An insurance policy, such as credit disability or credit life coverage, is making the payments on this account. It describes an ongoing condition, so it should come off once the insurer stops paying or the debt is paid. When the insurer pays the balance off entirely, a paid-through-insurance comment fits better.
How it shows on your report
A remark like "Debt being paid through insurance."
How it affects your score
Not known to be scored as a negative by itself.
What to check
If the insurer was supposed to pay and the account shows lates for those months, gather the claim approval and payment records. When the insurer pays the balance off, the remark should change to a paid-by-insurance comment.
If this code is wrong on your report
- Metro 2 explained: the data format behind your credit reportHow lenders send coded data to the bureaus, and how disputes travel back to them.
- How to dispute a credit report error, step by stepA step-by-step guide to disputing credit report errors with Equifax, Experian and TransUnion: online vs. mail, what to include, and how to keep proof.
- Letter builderWrite dispute, goodwill, validation and identity theft letters. Free, printed by you, sent by you.
Glossary: special comment code, Metro 2
Sources
- Special comment codes (Genesys Latitude documentation)
- Special Comment Codes (The Mortgage Office help center)
- Special Comment Code (GoldPoint Systems CIM GOLD documentation)
These explanations are ScoreTuner's plain-English summaries. The official specification is the CDIA Credit Reporting Resource Guide, which is copyrighted and not reproduced here. This is education, not legal advice.