Metro 2 special comment code CH: guaranteed or insured
The loan is guaranteed or insured by a third party, such as a government agency or a private insurer. It's informational: it tells a reader that someone besides you backs the lender if the loan defaults. It doesn't mean anyone else owes the debt on your behalf, and you're still responsible for paying it.
Sources describe this code with some variation. Public documentation doesn't agree on every detail of how special comment code CH is used, so treat this as a general explanation. If it's on your report, the company that reported it can tell you exactly what it meant.
How it shows on your report
A remark like "Guaranteed" or "Insured."
How it affects your score
Neutral.
What to check
Usually informational. If the account defaults and the guarantor pays, the lender's tradeline should show the debt moved, and the guarantor's account shouldn't duplicate the same balance. Check that the guarantor's account uses the original delinquency date.
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)
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.