Metro 2 special comment code AP: credit line suspended
The credit line is temporarily unavailable, so you can't draw on it for now. Unlike a closure, a suspension can be lifted and the line reopened later. Furnisher documentation describes it as temporary rather than final, and it should come off when the line is restored or the account is closed.
How it shows on your report
A remark like "Credit line suspended."
How it affects your score
A suspended line may affect how its limit is treated in utilization, and the treatment isn't published.
What to check
If the lender lifted the suspension, the remark should come off. If the line is permanently closed, it should show a closed status rather than a suspension that never ends.
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.