Metro 2® Format for Credit Reporting
Download Instructions for the Metro 2® Format
If your company furnishes consumer credit account data on a regular basis to credit reporting agencies, you have duties under the Fair Credit Reporting Act (FCRA) to correct and update that consumer credit history information.
To assist data furnishers (such as banks, credit unions, consumer credit card companies, retailers, and auto finance companies) in this process, the credit reporting industry has adopted a standard electronic data reporting format called the Metro 2® Format.
Access to the Metro 2® Format is limited to employees of (a) companies that furnish data to consumer reporting agencies in either the MetroTM or Metro 2® Format, (b) data processors who furnish data to consumer reporting agencies in either the MetroTM or Metro 2® Format, (c) software vendors who provide MetroTM or Metro 2® programming software, and (d) consumer reporting agencies that accept or transmit data in the MetroTM or Metro 2® Format.
To access the Metro 2® Format you must log in to your CDIA account. If you are not a registered user you will need to first create a CDIA account. For additional guidance on accessing your CDIA account, please visit FAQ2 and FAQ3 in the CDIA Account Access Guide.
After you are logged in, follow the steps below:
Click on Metro 2® Access on the My Account dashboard page.
Special Note to Software Vendors
CDIA strongly recommends all software vendors to beta test a sampling of your customers' data with each consumer reporting agency prior to mass distribution of software to ensure Metro 2® standards have been met. Refer to the Implementation Checklist in the Credit Reporting Resource Guide®; section 8, for details.
Thorough testing of your software version of the Metro 2® Format prevents costly changes, redistribution of your software and customer delays in reporting.
If you have any questions regarding the Metro 2® Format, contact your consumer reporting agency contacts.
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