Ch 4 J2 Segment Fields 12 - 20

The video summarizes J2 Segment Fields #12 through #20 from Chapter 4 of the Metro 2 Credit Reporting Resource Guide, assisting readers in using Metro 2 to accurately read credit reports, identify errors, and draft dispute letters to consumer reporting agencies (CRAs). These fields provide address details for an associated consumer living at a different address from the Base Segment’s primary consumer: #12 (country code), #13 (first address line), #14 (second address line), #15 (city), #16 (state), #17 (zip code), #18 (address indicator, e.g., military or business), #19 (residence code, e.g., own or rent), and #20 (reserved).

These fields ensure the associated consumer’s address is fully documented; errors such as missing address data, incorrect details (e.g., wrong zip code), or an unreported indicator for a military address can be identified as deviations from Metro 2’s standard. Such inconsistencies offer a clear basis for dispute letters to CRAs, using the format’s requirements to enforce accurate reporting.