Metro 2 special comment code AT: closed due to transfer
The account was closed because it was transferred, typically an internal move to a new account number at the same lender, such as after a product change or a card replacement. The history continues under the new account, and the old account number should close out with nothing owed.
How it shows on your report
A remark like "Closed due to transfer."
How it affects your score
Neutral.
What to check
The old account number should show $0 owed while the new account carries the balance. Lost or stolen card replacements can create this pattern, so make sure both accounts aren't reporting the same balance.
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.