Ch 4 J1 Segment Overview

The video provides an overview of the J1 Segment from Chapter 4 of the Metro 2 Credit Reporting Resource Guide, helping readers use Metro 2 to accurately read credit reports, identify errors, and draft dispute letters to consumer reporting agencies (CRAs). The J1 Segment identifies additional consumers linked to the primary consumer in the Base Segment, specifically those living at the same address, to comply with the Equal Credit Opportunity Act (ECOA). It must be included each time the account is reported and can appear multiple times if there are multiple co-signers or associated consumers at the same address.

This segment ensures all relevant parties are listed; errors like missing J1 data for a known co-signer or inconsistencies in address reporting can be disputed, using Metro 2’s requirements as evidence in letters to CRAs to correct inaccuracies.