> For the complete documentation index, see [llms.txt](https://developers.bloomcredit.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.bloomcredit.io/docs/v2.1/furnishment/business-accounts/consumer-business-account-reporting.md).

# Consumer Business Account Reporting

For consumers with business credit products, reported to consumer bureaus.

*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**

{% code title="cURL" %}

```bash
--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
               }
           ]
       }
   }
}'

```

{% endcode %}

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.

   <pre class="language-bash" data-title="cURL"><code class="lang-bash">--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"
          }
      }
      }'
   </code></pre>
3. **Create Statements**

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

   <pre class="language-bash" data-title="cURL"><code class="lang-bash">--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"
          }
      }
   }'
   </code></pre>

   <br>


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation by asking a question.

Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters:

```
GET https://developers.bloomcredit.io/docs/v2.1/furnishment/business-accounts/consumer-business-account-reporting.md?ask=<question>&goal=<user_goal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.