_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

```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**

1. 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).  
2. 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.  
3. Secondary consumers **cannot** be added to a “business” account type.

cURL

```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**

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

cURL

```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"
       }
   }
}'
```