Consumer Terms
Date of Birth: Definition
The consumer's birth date used for identification.
Definition
Date of Birth is a key identifier used to match consumer data to the correct credit file. Combined with SSN and name, it helps ensure accurate credit file assembly. The date should be reported in MMDDYYYY format.
Examples
01151980 = January 15, 1980
Usage Notes
- Must match consumer's actual birth date
- Used as secondary identifier after SSN
- Required for proper credit file matching
Related Metro 2 Fields
Related Terms
More Consumer Terms
Primary Consumer
The main individual responsible for a credit account.
Associated Consumer
Any additional individual connected to a credit account.
ECOA Code
A code indicating a consumer's relationship to an account.
Joint Account
An account where two or more consumers share responsibility.
Authorized User
A person permitted to use an account but not liable for the debt.
Social Security Number
The consumer's 9-digit SSN used for identification.
Generation Code
A suffix indicating generational distinction in names.
Consumer Information Indicator
A code providing special status information about a consumer.
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