Credit Reporting Update > J1/J2 Segment Changes

We have changed how the system reports the addresses associated with the J1 (Associated Consumer—Same Address) or J2 (Associated Consumer—Different Address) segments of the Credit Report and Transmission (FPSRP184). J1 or J2 segments aren't always included if the loan does not have any co-borrowers. Now the system creates a J1 or J2 segment based on the mailing or property address sequences of co-borrowers rather than the Account Ownership code (NTODSC), as set up on the Customer Relationship Management > Households screen. If the co-borrower does not have a Physical Address sequence (NDPHAD) or a Mailing Address sequence (NDMALD), then a J1 Segment will be created for the co-borrower.

The address for the IRS owner to be used for comparison is the Mailing Address sequence (NDMLAD) unless the Physical Address sequence (NDPHAD) is not zero. If the Physical Address sequence and the Mailing Address sequence are zero, then the account's Mailing Address sequence (NTADDR) is used as the comparison address.

If the IRS owner's address comparison sequence is equal to the co-borrower's Physical Address sequence (NDPHAD if one exists) or the Mailing Address sequence (NDMLAD if no Physical Address sequence exists) or the account's Mailing Address sequence (NTADDR if no Mailing Address sequence exists), then a J1 Segment will be created.

If the IRS Owner's address comparison sequence is not equal to the co-borrower's Physical Address sequence (NDPHAD, if one exists) or the Mailing Address sequence (NDMLAD if no Physical Address sequence exists) or the account's Mailing Address sequence (NTADDR if no Mailing Address sequence exists) from the co-borrower, then a J2 Segment is created using the Mailing Address of the co-borrower.

If there is no Mailing Address for the J2 Segment, the Mailing Address of the Base Segment is used as the Mailing Address in the J2 Segment.