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Metro 2 Format - Base Segment

The Base Segment is the second segment of a credit reporting file. It contains the primary consumer's identification information and the account transactional information.

In the image below, the fields in the Base Segment are partitioned and identified. Actually, this is one long string of data in the reporting file.

In the tables below,

  • Field is the Metro 2 Format Field number
  • Field Name is taken from the Metro 2 Format. Refer to the Field Number and Field Name when you are trying to determine CBR requirements for particular areas.
  • Length and Position can be used as reference points when you are examining actual data in the report as Collect! generates it.
  • Source is the field in Collect! where the information is pulled from, or some sort of internal value, as indicated.
Base Segment
FieldField NameLengthPositionSource
1Record Descriptor41-4Record length
2Processing Indicator15Processing instruction
3Time Stamp146-19Contact created Date and Time
4Correction Indicator120Internal
5Identification Number2021-40Credit Bureau Setup Identification #
6Cycle Identifier241-42Cycle Reporting -- BLANK
7Consumer Account Number3043-72Debtor File # or Client Account #
8Portfolio Type173Credit Report Details Portfolio
9Account Type274-75Credit Report Details Account Type
10Date Opened876-83Debtor Listed Date
11Credit Limit984-92ZERO FILL
12Highest Credit or Original Loan Amount993-101Debtor Principal
13Terms Duration3102-1041
14Terms Frequency1105BLANK
15Scheduled Monthly Payment Amount9106-114ZERO FILL
16Actual Payment Amount9115-123Payment Transactions Amount
17AAccount Status2124-125Credit Report Details Status Code
17BPayment Rating1126BLANK
18Payment History Profile24127-150B - No Payment History
19Special Comment2151-152Credit Report Details Special Comments
20Compliance Condition Code2153-154Credit Report Details Condition Code
21Current Balance9155-163Debtor Owing
22Amount Past Due9164-172ZERO FILL
23Original Charge-off Amount9173-181ZERO FILL
24Billing Date8182-189Credit Report Date
25FCRA Compliance/Date of First Delinquency8190-197Debtor Delnqnt or zero filled if Current
26Date Closed8198-205Metro Contact Date or zero filled if not Closed
27Date of Last Payment8206-213Debtor Payment
29Consumer Transaction Type1231Internal
30Surname25232-256Debtor Name
31First Name20257-276Debtor Name
32Middle Name20277-296BLANK
33Generation Code1297Debtor Generation
34Social Security Number9298-306Debtor SSN#
35Date of Birth8307-314Debtor DOB
36Telephone Number10315-324Debtor Home
37ECOA Code1325Credit Report Details Association Code (ECOA)
38Consumer Information Indicator2326-327Credit Report Details Indicator
39Country Code2328-329Debtor Country
40First Line of Address32330-361Debtor Address
41Second Line of Address32362-393Debtor Address Line 2
42City20394-413Debtor City
43State2414-415Debtor State
44Postal/Zip Code9416-424Debtor Zip
45Address Indicator1425Debtor Address OK
46Residence Code1426BLANK

The next table clearly displays each database field name from Collect! to help you determine more easily where information is coming from.

Base Segment Record Database Fields
Metro 2 Field NameDatabase Form and FieldLength Position
Identification NumberCredit Bureau Setup Identification #2021-40
Consumer Account NumberDebtor File # or Client Account #3043-72
Portfolio TypeCredit Report Details Portfolio173
Account TypeCredit Report Details Account Type274-75
Date OpenedDebtor Listed Date876-83
Highest Credit or Original Loan AmountDebtor Principal993-101
Actual Payment AmountPayment Transactions Amount9115-123
Account StatusCredit Report Details Status Code2124-125
Special CommentCredit Report Details Special Comments2151-152
Compliance Condition CodeCredit Report Details Condition Code2153-154
Current BalanceDebtor Owing9155-163
FCRA Compliance/Date of First DelinquencyDebtor Delnqnt8190-197
Date of Last PaymentDebtor Payment8206-213
SurnameDebtor Name25232-256
First NameDebtor Name20257-276
Social Security NumberDebtor SSN#9298-306
Date of BirthDebtor DOB8307-314
Telephone NumberDebtor Home10315-324
ECOA CodeCredit Report Details Association Code (ECOA)1325
Consumer Information IndicatorCredit Report Details Indicator2326-327
Country CodeDebtor Country2328-329
First Line of AddressDebtor Address32330-361
Second Line of AddressDebtor Address Line 232362-393
CityDebtor City20394-413
StateDebtor State2414-415
Postal/Zip CodeDebtor Zip9416-424
Address IndicatorDebtor Address OK1425

tip.gif Collect! uses the 426 character format when creating the credit reporting file in Metro 2 Format.

For more information, please refer to your credit reporting manual or consult with your credit bureau representative.

See Also

- Credit Reporting Functional Description
- Credit Bureau Reporting Topics

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