Ch 4 Base Segment Fields 30 - 46

The video summarizes Base Segment Fields #30 through #46 from Chapter 4 of the Metro 2 Credit Reporting Resource Guide, aiding readers in using Metro 2 to accurately read credit reports, identify errors, and draft dispute letters to consumer reporting agencies (CRAs). These fields contain the primary consumer’s identifying information—e.g., surname (#30), first name (#31), middle name (#32), generation code (#33), Social Security number (#34), date of birth (#35), phone number (#36), ECOA code (#37, indicating account type per Exhibit 10), consumer information indicator (#38, e.g., bankruptcy per Exhibit 11), country code (#39), address details (#40-44), address indicator (#45, e.g., verified or military), and residence code (#46, own or rent).

The video notes that credit reports often don’t itemize this data with specific tradelines, instead lumping it in a header without linking it to accounts or sources, complicating disputes—especially when CRAs resist changes if tied to active accounts. For readers, Metro 2 requires this consumer data per account in the Base Segment, so missing, vague, or inconsistent details (e.g., an unreported bankruptcy indicator or mismatched address) on a report can be flagged as errors. These discrepancies provide a basis for dispute letters, leveraging Metro 2’s detailed standards to demand clarity and accuracy from CRAs.