Comments added to CR

[Svthhvn]

So I've noticed that creditors have added the comment "affected by natural disaster" to my reports. I've missed no payments all my accounts are in good standing. I mean I live in Louisiana so the comments are true.... 2nd hurricane in 6 weeks but I'm just curious as to why?? Just in case I screw up?? 🤷‍♀️

[Anonymous]

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@Svthhvn wrote:

So I've noticed that creditors have added the comment "affected by natural disaster" to my reports. I've missed no payments all my accounts are in good standing. I mean I live in Louisiana so the comments are true.... 2nd hurricane in 6 weeks but I'm just curious as to why?? Just in case I screw up?? 🤷‍♀️

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I noticed they added this comment to many of my student loans and collection accounts due to Covid. My scores went up because of this as they are now not being calculated into my scores.

I also heard of people taking advantage of deferrals or forebearance, "skip a payment", or hardship programs on their accounts and this comment being added.

Is that the case for you?

[Svthhvn]

No I've made all payments.

[Countryboy1]

They have added the same comments''affected by natural disater'' to my CR and I live in North louisiana. I have not missed any payments either but it DID NOT affect my score

[Anonymous]

From what I've read on this forum, my undestanding has always been that comments do not impact credit score.  If that is inaccurate or if thoughts on that have changed over the past year, I'd love to hear from the experts.  In the past any time someone has thought that comments have impacted their score, after further digging it was found that report data had changed and that it was not in fact the comments.  One common exception to this however would be an account under dispute.  When an account is in dispute it may be temporarily removed from being considered by the algorithm.  It isn't necessarily the "comments" (account under dispute) that's impacting score, simply that it isn't being considered temporarily while the dispute is transpiring.   

[FinStar]

The comments in it of themselves may not be the driver as much as the coding associated with such annotation, especially instances that could be associated with natural disasters or recent pandemic relief.   Per a recent thread here:

https://ficoforums.myfico.com/t5/General-Credit-Topics/New-blog-article-3-Things-to-Check-on-Your-Cr...

[Svthhvn]

Exactly @FinStar ! Yes I've been through 2 hurricanes however I am still paying my bills ON TIME. It hasn't impacted my score but I feel like for CLIs it could possibly come into play..