Consumer Business Account Reporting

For consumers who are contractually liable for a business-related tradeline.

• Primary Borrower: Consumer (e.g., Joint, Comaker, or Guarantor)
• Secondary Party: Business (added automatically when business fields are filled in)
• Account Type: Business Credit Card, Business Loan, or Business Line (required)

Key Notes:

• The consumer’s information is created as usual.
• Business information (name, EIN, address) must be included upon account creation. Without it, the account cannot be created.
• Statements and payment activity are reported in the same way as with a traditional credit card.

1. Create Consumer

cURL

--data '{
   "data": {
       "type": "consumers",
       "attributes": {
           "ssn": "034783838",
           "date_of_birth": "1972-03-05",
           "name": {
               "first_name": "John",
               "middle_name": null,
               "last_name": "Doe",
               "generation_code": null
           },
           "addresses": [\
               {\
                   "line1": "123 5th Street",\
                   "line2": null,\
                   "city": "Kansas City",\
                   "state_code": "KS",\
                   "zipcode": "66202",\
                   "primary": true\
               }\
           ]
       }
   }
}'

2. Create Account

3. Enter the consumer as the primary consumer.

   1. Apply the appropriate ECOA code to the primary designation (e.g., Joint/Contractual Liability OR Comaker or Guarantor).

4. Enter the business information in the business fields.

   1. This automatically creates the J2 segment.
   2. The business is designated as the secondary borrower in the Metro2.

5. Secondary consumers cannot be added to a “business” account type.

cURL

--data '{
   "data": {
       "type": "AccountCreate",
       "attributes": {
           "credit_product_id": "{{portfolio_id}}",
           "primary_consumer_id": "{{consumer_id}}",
           "external_account_identifier": "BIZ232908435333",
           "primary_designation": "JOINT_CONTRACTUAL_LIABILITY",
           "account_opened_date": "2025-07-23",
           "terms_duration": "REV",
           "reported_consumer_account_number": "BIZ233645",
           "business_name": "Fake Business2",
           "business_address": "105 Fake St, Charleston, SC 29401",
           "business_ein": "28-9328404"
       }
   }
   }'

3. Create Statements

4. Statements should be created as usual for a credit card.

cURL

--data '{
   "data": {
       "type": "StatementCreate",
       "attributes": {
           "account_id": "{{account_id}}",
           "statement_date": "2025-08-01",
           "current_balance": 3000.00,
           "days_delinquent": 0,
           "credit_limit": 10000.0,
           "scheduled_monthly_payment": 500,
           "actual_monthly_payment": 1000.00,
           "amount_past_due": 0.00,
           "statement_identifier": "ST123456",
           "last_payment_date": "2025-07-25"
       }
   }
}'