Metro 2 special comment code AI: recalled to active military duty
The borrower has been called to active military duty, and the lender is flagging accounts affected by that service. It describes a current condition. Servicemembers have specific federal protections on debts taken on before active duty, and the remark gives lenders reading the report context for any change in payments.
How it shows on your report
A remark like "Recalled to active military duty."
How it affects your score
Not known to be scored as a negative.
What to check
If you were called to active duty and asked for protections, such as an interest rate cap under the Servicemembers Civil Relief Act, check that the account isn't reported late for months covered by those protections.
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.