Consumer Terms
Primary Consumer: Definition
The main individual responsible for a credit account.
Definition
The Primary Consumer is the individual who is primarily responsible for the credit account. Their identity information is reported in the Base Segment of the Metro 2 file. For joint accounts, both consumers may be reported as primary on their respective tradelines.
Usage Notes
- Identity fields must be accurate and verified
- Name format follows specific Metro 2 conventions
- SSN must be validated before reporting
Related Metro 2 Fields
Related Terms
More Consumer Terms
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.
Date of Birth
The consumer's birth date 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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