Base Segment ErrorsWarning

    B023Joint ECOA Without Associated Consumer

    ECOA indicates a joint relationship but no J1/J2 segment is present

    Affected Field
    #10ECOA Code

    Field 10 is a coded field. If the value is rejected rather than malformed, check it against the ecoa codes reference.

    Description

    When the Base Segment ECOA Code indicates joint contractual liability or co-maker (ECOA 2 or 7), the file should also include a J1 or J2 segment describing the associated consumer. A joint ECOA with no associated-consumer segment is internally inconsistent.

    Common Causes

    • Associated consumer data not appended
    • ECOA code set to joint by default

    How to Fix

    1. 1Append a J1 (same address) or J2 (different address) segment for joint accounts
    2. 2Use ECOA 1 (individual) only for truly individual accounts
    3. 3Reconcile ECOA with the presence of associated-consumer segments

    More Base Segment Errors

    B001
    Missing Account Number
    B002
    Invalid Account Status
    B003
    Status and Payment Rating Mismatch
    B004
    Invalid ECOA Code
    B005
    Missing SSN or Date of Birth
    B006
    Invalid Date Format

    Metro 2 code reference

    A rejected value is usually a wrong code rather than a wrong format. Every CRRG code set has a per-code page with its meaning and cross-field rules. Metro 2 codes: the complete cheat sheet puts all of them on one page.

    Account Status CodesPortfolio TypesAccount Type CodesTerms Frequency CodesPayment RatingsPayment History Profile CodesSpecial Comment CodesCompliance Condition CodesECOA CodesConsumer Information IndicatorsCreditor Classification CodesResidence Codes

    Catch Errors Before Submission

    The platform validates every field and catches errors like B023 before you submit to the credit bureaus.

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    B023: Joint ECOA Without Associated Consumer - Metro 2 Error