J1 Segment ErrorsCritical

    J003J1 Segment Without Base Segment

    J1 segment appears without a preceding base segment

    Description

    J1 segments must immediately follow a base segment. They provide additional consumer information for the account described in the base segment. A J1 segment without a preceding base segment cannot be processed and will be rejected.

    Common Causes

    • File sorting put segments out of order
    • Base segment was removed or rejected
    • Incorrect segment generation sequence

    How to Fix

    1. 1Ensure J1 follows its associated base segment
    2. 2Check file generation creates segments in order
    3. 3Remove orphaned J1 segments

    More J1 Segment Errors

    J001
    J1 Segment Missing Required Fields
    J002
    J1 Invalid ECOA Code

    Catch Errors Before Submission

    Metro2 software validates every field and catches errors like J003 before you submit to the credit bureaus.

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