J1 Segment ErrorsCritical

    J002J1 Invalid ECOA Code

    The ECOA code for the associate is not valid

    Affected Field
    J1 ECOA Code

    Description

    Associates reported in J1 segments must have appropriate ECOA codes indicating their relationship to the account (co-signer, guarantor, etc.). The J1 ECOA code must be consistent with the base segment ECOA code for proper credit bureau processing.

    Common Causes

    • Using individual ECOA codes for associate
    • ECOA codes not properly paired
    • Associate type not properly identified

    How to Fix

    1. 1Use appropriate associate ECOA codes
    2. 2Ensure base and J1 ECOA codes are compatible
    3. 3Review ECOA code requirements for relationships

    More J1 Segment Errors

    J001
    J1 Segment Missing Required Fields
    J003
    J1 Segment Without Base Segment

    Catch Errors Before Submission

    Metro2 software validates every field and catches errors like J002 before you submit to the credit bureaus.

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