Field K1-3RequiredAccount Information

    Metro 2 Field K1-3: K1 Original Creditor Name

    The name of the original creditor for an account that has been sold or placed for collection. Required on the K1 segment so consumers can recognize the underlying debt.

    Quick Reference

    Field Number:K1-3
    Position:3-32
    Length:30 characters
    Type:alphanumeric
    Record:K1 Segment
    Required:Yes

    Validation Rules

    • Left-justified, blank-filled
    • Required for a valid K1 segment (see error k1-creditor-name-missing)

    Examples

    FIRST NATIONAL BANK

    Common Errors

    • Blank original-creditor name on a K1 segment
    • Using the collection agency's own name instead of the original creditor

    Tips & Best Practices

    • This is the original creditor, not the current owner/collector

    Related Fields

    K1-4
    K1 Creditor Classification
    A code categorizing the original creditor's industry (for ex...
    17A
    Account Status
    A two-character code indicating the current status of the ac...

    Other Account Information

    17AAccount Status27Terms Duration28Terms Frequency15Account Type14Portfolio Type10ECOA Code

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    K1 Original Creditor Name - Metro 2 Field K1-3