Metro 2 special comment code C: paid by co-maker or guarantor
The account was paid off by the co-maker or guarantor rather than the main borrower. Furnisher software allows it only with a paid status and a $0 balance. It tells a lender reading either person's report that the cosigner, not the main borrower, ended up covering the debt.
How it shows on your report
A remark like "Paid by co-maker" or "Paid by cosigner."
How it affects your score
Shows the debt was paid, but the delinquency that led to it still counts on both files.
What to check
The balance should be $0 and the status should be a paid status. If you were the cosigner who paid, your copy of the account should also show it as paid.
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.