Metro 2 Format - J2 Segment
The J2 Segment accommodates the requirements of ECOA
when reporting credit. It is included in the reporting file if
the cosigner is being reported. The J2 Segment applies when
the associated consumer resides at a different address than
the individual being reported. It is included every time the
account is reported.
In the image below, the fields in the J2 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.
| J2 Segment | Different Address |
| Field | Field Name | Length | Position | Source |
| 1 | Segment Identifier | 2 | 1-2 | J1 |
| 2 | Consumer Transaction Type | 1 | 3 | Internal |
| 3 | Surname | 25 | 4-28 | Debtor Cosigner Name |
| 4 | First Name | 20 | 29-48 | Debtor Cosigner Name |
| 5 | Middle Name | 20 | 49-68 | BLANK |
| 6 | Generation Code | 1 | 69 | Debtor Cosigner Generation |
| 7 | Social Security Number | 9 | 70-78 | Debtor Cosigner SSN |
| 8 | Date of Birth | 8 | 79-86 | Debtor Cosigner DOB |
| 9 | Telephone Number | 10 | 87-96 | Debtor Cosigner Home |
| 10 | ECOA Code | 1 | 97 | Debtor Cosigner ECOA |
| 11 | Consumer Information Indicator | 2 | 98-99 | Debtor Cosigner Indicator |
| 12 | Country Code | 2 | 100-101 | Debtor Cosigner Country |
| 13 | First Line of Address | 32 | 102-133 | Debtor Cosigner Address Line 1 |
| 14 | Second Line of Address | 32 | 134-165 | Debtor Cosigner Address Line 2 |
| 15 | City | 20 | 166-185 | Debtor Cosigner City |
| 16 | State | 2 | 186-187 | Debtor Cosigner State |
| 17 | Postal/Zip Code | 9 | 188-196 | Debtor Cosigner Zip |
| 18 | Address Indicator | 1 | 197 | Debtor Cosigner Address OK |
| 19 | Residence Code | 1 | 198 | BLANK |
| 20 | Reserved | 2 | 199-200 | BLANK |
The next table clearly displays each database field name from
Collect! to help you determine more easily where information
is coming from.
| J2 Segment Record Database Fields | Different Address |
| Metro 2 Field Name | Database Form and Field | Length | Position |
| Segment Identifier | J1 | 2 | 1-2 |
| Surname | Debtor Cosigner Name | 25 | 4-28 |
| First Name | Debtor Cosigner Name | 20 | 29-48 |
| Social Security Number | Debtor Cosigner SSN | 9 | 70-78 |
| Date of Birth | Debtor Cosigner DOB | 8 | 79-86 |
| Telephone Number | Debtor Cosigner Home | 10 | 87-96 |
| ECOA Code | Debtor Cosigner ECOA | 1 | 97 |
| Consumer Information Indicator | Debtor Cosigner Indicator | 2 | 98-99 |
| Country Code | Debtor Cosigner Country | 2 | 100-101 |
| First Line of Address | Debtor Cosigner Address Line 1 | 32 | 102-133 |
| Second Line of Address | Debtor Cosigner Address Line 2 | 32 | 134-165 |
| City | Debtor Cosigner City | 20 | 166-185 |
| State | Debtor Cosigner State | 2 | 186-187 |
| Postal/Zip Code | Debtor Cosigner Zip | 9 | 188-196 |
| Address Indicator | Debtor Cosigner Address OK | 1 | 197 |
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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