The Metro 2 Credit Reporting Validation screen enables the ability to review and correct compliance errors found within Metro 2 exports. This functionality prevents incorrect or incomplete Recovery account and person data from being transmitted to credit bureaus for reporting purposes.

For example, if a Metro 2 export is configured to validate whether the included records are compliant with Metro 2 credit reporting standards in System Management > Exports, any records found to be non-compliant are displayed on the Metro 2 Credit Reporting Validation screen after the export is run. This enables the ability to correct any errors found.

To access this screen, navigate to System Management > Recovery > Metro 2 Credit Reporting Validation.

This screen contains the following functionality to review and correct Metro 2 credit reporting validation errors:

Show Grid

The grid within the Metro 2 Credit Reporting Validation screen displays the following columns of information for each validation error found within a Metro 2 export:

Accounts with compliance errors are only displayed within this screen if the Metro 2 export has been configured to validate that records contained in the export are in compliance with credit reporting standards. For more information on how to configure a Metro 2 export, please see the Exports topic within the Administrator Guide.

Column

Description

Severity Level

Indicates whether the validation exception is an Error or a Warning.

An compliance error prevents the account from being transmitted to Metro2
A compliance warning notifies users that an account may fail compliance validation in the future, due to a factor such as a regulatory change

The Recovery module only returns errors at this time.

Account

Displays the identifier for the account on which the compliance error exists.

If there are multiple errors for the same account or person, each error is displayed in a separate row.

Name

Displays the full name of the person associated with the account.

If there are multiple errors for the same account or person, each error is displayed in a separate row.

Export Profile

Displays the name of the export profile on which the error exists.

Validation Error Type

Displays the category of compliance error found on the export.

For the full list of possible Metro 2 validation errors, see the Metro 2 Validation Errors section in this topic.

Validation Exception

Displays a description of the error that must be corrected on the record.

For the full list of possible Metro 2 validation errors, see the Metro 2 Validation Errors section in this topic.

Show Filters

By default, the Metro 2 Credit Reporting Validation screen displays records based on Account Identifier and Person Full Name. However, users are able to refine the results displayed in the grid by entering search criteria within the Filter box at the top of the screen.

Show Buttons

The toolbar at the top of the screen includes the following buttons to review and manage each validation error found within a Metro 2 export:

The following buttons are disabled unless one or more records are selected on the screen.

Button	Description
	Click this button to initiate a manual validation of the accounts included in the Metro2 export file.
	Click this button to refresh the items listed within the grid. Upon clicking Refresh, any validation errors that have been cleared are removed from the grid.

Correcting Validation Errors

If a Metro2 export is configured to Check Metro 2 Compliance on export within System Management > Exports, validation errors must be cleared before the export file is transmitted to Metro2.

If the Check Metro 2 Compliance on export option is selected without Exclude records with compliance errors from export also being selected within System Management > Exports, the entire Metro2 export is not transmitted, if a single account within the export fails validation. For more information on how to configure a Metro2 export, please see the Exports topic within the Administrator Guide.

To clear an exception, users are able to double-click on items within the grid to open the account's associated person record within the workspace. Once the person record opens, refer to the information within the Validation Exception field on the Metro2 Credit Reporting Validation screen to make the required updates within the person/account record.

For more information on the Metro2 validation exceptions, please see the Metro2 Validation Error section within this topic.

Upon completing the required change, save the updated information, close the person workspace, and return to the Metro2 Credit Reporting Validation screen.

Updated accounts continue to display within the grid until the

buttons are clicked or another Metro2 export is run.

Metro2 Validation Errors

When an account included in a Metro2 export fails compliance validations, a record of the account displays within the Metro2 Credit Reporting Validation screen, along with the Validation Error Type and the Validation Exception message. The table below lists the Validation Error Types and Exception Messages that display within the grid on the Metro2 Credit Reporting Validation screen, as well as the conditions that the Lifecycle Management Suite checks for during the validation process:

Type	Condition	Exception Message
Account	Based on Portfolio Type: If Line of Credit, then If Terms Duration <> LOC If Open, then If Terms Duration <> 001 If Revolving, then If Terms Duration <> REV If Installment, then tblAccountInfo.OriginalTerm If Mortgage, then tblAccountInfo.OriginalTerm/ 12	Mismatched Portfolio Type <field value> Terms Duration <field value>.
Account	Credit Limit (If Portfolio Type = I or M)	Credit Limit is a required field if Portfolio Type is 'I' or 'M'.
Account	Credit Reporting Identification Number is blank or NULL.	Credit Reporting Identification Number is a required field
Account	Date of First Delinquency is blank or NULL.	Date of First Delinquency is a required field.
Account	Date Opened is blank or NULL.	Date Opened is a required field.
Account	Delinquency Date is required if the Account Status Code is 97.	Delinquency Date is required if the Account Status Code is 97.
Account	Highest Credit (If Portfolio Type = I or M)	Highest Credit is a required field if Portfolio Type is 'I' or 'M'.
Account	Invalid Account Type that does not appear in the Account Type list.	Invalid Account Type: <field value>.
Account	Invalid characters in the Payment History Profile.	Invalid Payment History Profile <field value>.
Account	Portfolio Type is blank or NULL.	Portfolio Type is a required field.
Account	Account Type / Portfolio Type Mismatch.	Mismatched Account Type <field value> Portfolio Type <field value>.
Account	Terms Duration/Portfolio Type.	Terms Duration must not be blank or zero if Portfolio Type is 'I'.
Consumer Information	City is blank or NULL.	City is a required field.
Consumer Information	Customer is less than 18 years of age as of the open date.	Consumer is less than 18 years of age as of the open date.
Consumer Information	Date of Birth is blank or NULL.	Date of Birth is a required field.
Consumer Information	ECOA Code is blank or NULL.	ECOA Code is a required field.
Consumer Information	ECOA Code is blank or NULL in the BASE Segment.	ECOA Code is a required field.
Consumer Information	ECOA code on Base record is '1' and there is a J1 or J2 record.	ECOA code cannot be '1' if a cosigner is provided.
Consumer Information	First Line of Address is blank or NULL.	First Line of Address is a required field
Consumer Information	First Name is blank or NULL.	First Name is a required field.
Consumer Information	Invalid State Code.	Invalid State Code.
Consumer Information	Postal is blank or NULL.	Postal Code is a required field.
Consumer Information	Social Security Number is blank or NULL.	Social Security Number is a required field.
Consumer Information	State is blank or NULL.	State is a required field.
Consumer Information	Surname is blank or NULL.	Surname is a required field.
Consumer Information	Zip Code contains letters.	Zip Code is invalid. <field value>
Consumer Information	Invalid First Name.	First Name contains invalid characters. <field value>.
Consumer Information	Invalid Last Name.	Last Name contains invalid characters. <field value>.
Employment	First Line of Employer Address contains invalid characters, such as commas.	First Line of Employer Address contains invalid characters. <field value>.
Employment	Invalid State Code.	Invalid State Code <field value>.