Metro 2 Account Type Code 9B: Business Line of Credit, Personally Guaranteed

Specification

Code	9B
Meaning	Business Line of Credit, Personally Guaranteed
Field	Account Type (Field 15)
Record	Base Segment
Length / position	2 chars · 84–85
Category	Lines of Credit
CRRG reference	CRRG Exhibits 1 & 2 (Account Type Codes)

The borrower is the business. The individual's exposure comes from a personal guarantee, which is a secondary obligation triggered by the business's default.
Distinct from Account Type 7A, where the individual is directly and personally liable as an obligor rather than as a guarantor.
The guarantee is what justifies furnishing a business obligation to a consumer bureau. Without it, the account belongs in commercial reporting only.
Does NOT mean a personal line of credit used by a business. A line underwritten to the individual is Account Type 15 or 47.
Does NOT mean a business credit card. Card-accessed business revolving accounts carry card account types and Portfolio Type R.

1A bank reports a small-business line of credit personally guaranteed by the owner, drawn seasonally for working capital.
2A lender reports a guaranteed business line where the guarantor's file carries the obligation while the business is the borrower of record.
3A bank reports a guaranteed business line frozen to new draws while the outstanding balance is repaid.
4A lender reports a guaranteed business line paid off and closed with the guarantee released.
5A bank reports a guaranteed business line that charged off and on which the guarantee was called.

Furnish to a consumer bureau only where a written personal guarantee exists and you can evidence it.
Report the approved line as the Credit Limit and the drawn balance as the Current Balance.
Name the individual guarantor in the Base Segment consumer name fields, never the business.
Do not code as 9B a line on which the individual signed as a direct obligor; that is Account Type 7A.
Report consistently every cycle, including months with a zero drawn balance, rather than only when the guarantee is called.

A file can be structurally valid and still be wrong. These are the cross-field conditions Account Type Code 9B has to satisfy.

Portfolio Type must be C (Line of Credit).
Portfolio Type C expects a populated Credit Limit and a Highest Credit reflecting the peak drawn amount; the two are different numbers and both are meaningful on a business line.
The ECOA code must reflect a guarantor relationship rather than implying primary individual borrowing or authorized-user status. This is the single most consequential cross-field decision on this Account Type.
A second guarantor ships as a J1 or J2 associated consumer with an ECOA code describing that person's role, not as a duplicate Base Segment for the same line.
Scheduled Monthly Payment is the contractual minimum for the current balance and can move cycle to cycle, unlike an installment payment.
Date Closed is populated when the line is terminated and the guarantee released, not when the drawn balance merely reaches zero.
Current Balance above Credit Limit should be investigated: on a business line it usually indicates a stale limit after a reduction rather than a genuine over-advance.
Terms Frequency M is normal for a revolving line. An installment or single-payment frequency contradicts Portfolio Type C.
Date of First Delinquency runs from the first uncured delinquency on the line, and it does not restart when the guarantee is called.