Metro 2 special comment code AM: payments by wage garnishment
Payments on this account are being collected through wage garnishment, meaning a court or agency order requires your employer to send part of your pay to the creditor. It describes an ongoing condition and should come off once the garnishment ends or the debt is paid.
How it shows on your report
A remark like "Payments assured by wage garnishment."
How it affects your score
The default that led to garnishment is the main negative. The remark signals court or administrative collection to lenders reading the report.
What to check
Once the garnishment ends or the debt is paid, the remark should come off and the balance should match the amount actually collected. Keep your pay stubs showing each garnishment.
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.