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Metro 2 Format - J1 Segment

The J1 Segment accommodates the requirements of ECOA when reporting credit. It is included in the reporting file if the cosigner is being reported. The J1 Segment applies when the associated consumer resides at the same address as the individual being reported. It is included every time the account is reported.

In the image below, the fields in the J1 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.
J1 Segment Same Address
FieldField NameLengthPositionSource
1Segment Identifier21-2J1
2Consumer Transaction Type13Internal
3Surname254-28 Debtor Cosigner Name
4 First Name2029-48 Debtor Cosigner Name
5Middle Name2049-68BLANK
6Generation Code169Debtor Cosigner Generation
7Social Security Number970-78Debtor Cosigner SSN
8Date of Birth879-86Debtor Cosigner DOB
9Telephone Number1087-96Debtor Cosigner Home
10ECOA Code197Debtor Cosigner ECOA
11Consumer Information Indicator298-99 Debtor Cosigner Indicator
12Reserved1100BLANK

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

J1 Segment Record Database FieldsSame Address
Metro 2 Field NameDatabase Form and FieldLength Position
SurnameDebtor Cosigner Name254-28
First NameDebtor Cosigner Name2029-48
Social Security NumberDebtor Cosigner SSN970-78
Date of BirthDebtor Cosigner DOB879-86
Telephone NumberDebtor Cosigner Home1087-96
ECOA CodeDebtor Cosigner ECOA197
Consumer Information IndicatorDebtor Cosigner Indicator298-99

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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