Metro2CreditReportingSoftware.com is an informational resource designed to assist businesses in the credit and collection industries with reporting consumer and commercial tradeline history.
We provide answers to frequently asked questions about reporting trade lines to major credit repositories—Equifax, Experian, TransUnion, Innovis and Dun & Bradstreet—using the industry-standard Metro 2 format.
What is the Metro 2 ®* format?
In 1997, the credit reporting industry adopted the Metro 2 format as the standard for reporting trade lines.
Developed by the Consumer Data Industry Association (CDIA) to replace the original Metro format from the late 1970s, Metro 2 is outlined in the Metro 2 Credit Reporting Resource Guide. This format enhances the accuracy and completeness of reported data while offering several key benefits:
The Metro 2 format facilitates complete and greater accuracy of reporting of data and provides the following features:
- User-Friendly Design – Simplifies data reporting and interpretation.
- Standardized Format – Ensures accurate, complete, and timely consumer credit reporting.
- Regulatory Compliance – Meets the requirements of the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA), and the Equal Credit Opportunity Act (ECOA).
- Comprehensive Data Reporting – Supports reporting at both the account and consumer levels.
- Debtor Tracking – Allows reporting of debtors who cannot be located.
- Flexible Reporting Options – Supports deferred payments and associate borrower/debtor information.
- Adaptable Identification – Enables changes to identification numbers for debt transfers or asset sales.