Metro 2 special comment code AC: partial payment agreement
You're paying under an agreement to pay less than the scheduled amount for a while, often after a hardship. It describes a temporary condition, so it should drop off once the arrangement ends. The account's status and payment grid still show how the lender is treating those reduced payments.
How it shows on your report
A remark like "Paying under a partial payment agreement."
How it affects your score
Lenders reviewing your file may see it as a sign of hardship. How scoring models treat the remark isn't published.
What to check
Check that payments you made under the agreement aren't reported as lates if the agreement said they'd count as current. Get the agreement's reporting terms in writing. Once you're back to regular payments, the remark should come off.
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.