Metro 2® Format for Credit Reporting - CDIA
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Helping Data Furnishers Meet Credit Reporting Obligations

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.

Metro 2® Access Rights

Access to the Metro 2® Format is limited to employees of (a) companies that furnish data to consumer reporting agencies in the Metro 2® Format, (b) data processors who furnish data to consumer reporting agencies in the Metro 2® Format, (c) software vendors who provide Metro 2® programming software, and (d) consumer reporting agencies that accept or transmit data in the Metro 2® Format.

Users who meet the Metro 2® access policy, can access a variety of resources and products.

Get Metro 2® Access

New to Metro 2®? Here is how to get started:

Step 1: Create a CDIA Account

Create your CDIA Online Account. (New Experience Coming Soon!)

After registration:

  • Verify your email address
  • Complete account setup
  • Check spam/junk folders if needed

Already have a CDIA account? Skip to Step 2.

Step 2: Request Metro 2® Access

After logging into your CDIA account:

  1. Select Metro 2® Access from the CDIA section.
  2. Review the Metro 2® Access Policy.
  3. Confirm you meet eligibility requirements.
  4. Follow the steps provided on the Metro 2® Access Page in the Metro 2® tab.
  5. Accept the Metro 2® Access Agreement.

Already an approved Metro 2® user? Skip to Step 3.

Step 3: Access Metro 2® Resources

For future visits:

  1. Log in to your CDIA Account.
  2. Select Metro 2® Access under the CDIA section.
  3. Review and accept the Access Agreement.
  4. Access Metro 2® documents and resources immediately.

Complimentary Resources

The following resources are available to all Approved Metro 2® Users

NEW CRRG Design 2020

Credit Reporting Resource Guide® (CRRG®)

Download the most current version of the industry guide.

CDIA-11-19-25_0025 (1)

Ask the Metro 2® Task Force

Submit Metro 2® reporting questions directly to industry experts.

Data Sharing, iStock 923752568

Data Processor Engagement Guidelines

Third-Party Data Processor Credit Reporting Engagement Guidelines.

E Learning Images (3)

Complimentary Webinar – Navigating the CRRG®

A 30-minute overview of the Credit Reporting Resource Guide® and its modules, including navigation tips and best practices.

Metro 2® Education and Events

CDIA educational materials and events are the industry’s most authoritative source for Metro 2® reporting guidance. Learn more below and make a purchase today!

NEW CRRG Design 2020

Credit Reporting Resource Guide® (CRRG®) (hard copy)

Metro 2 e learning (6)

Metro 2® Format e-Learning Course

Webinar 1

Metro 2® Format Webinars

CDIA-11-19-25_0017

Metro 2® Format Workshops

Frequently Asked Questions

How do I know if I'm eligible for Metro 2® access?

Review the Metro 2® Access Policy to confirm your organization qualifies.

I already have a CDIA account. Do I need another one?

No. Proceed directly to requesting Metro 2® access via the Metro 2® access tab

Who can access the Credit Reporting Resource Guide®?

Approved users may access Metro 2® resources, including the Credit Reporting Resource Guide®

Who can submit Metro 2® reporting questions?

Approved users may submit questions directly to the Metro 2® Task Force.

Need Assistance?

Contact CDIA Training Support @ cdia_training@cdiaonline.org