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Articles and Documents To Help You With Credit Reporting

Equifax Data Breach

On September 7th 2017, Equifax announced a consumer credit data breach which had occurred months before the announcement. Equifax said the database intrusion began in May and continued until July... --Business Insider So if you have not heard of this data theft,...

What Is The Metro 2 Format?

In a nutshell, the Metro 2® Format was created by the CDIA online. It is a standard computer file format that all businesses use to report consumer credit history. Can you imaging trying to work with millions of different spread sheets or text files for credit reporting. It would be insane, so the industry decided to make a universal way for all businesses to save and upload a file to the credit agencies which contains the consumer credit information that will

Glossary

Glossary of Terms For updated Metro 2® Format Terms and Glossary please obtain the latest copy of the Metro 2® Credit Reporting Resource Guide contact CDIA Online Account Number Scrambling A security feature that allows a data furnisher to report a scrambled version...

Alternatives To Microsoft Excel

Over many years in the credit reporting industry, one of the most common tools would have to be a spreadsheet. Wait, I Need A Spreadsheet To Report Credit? No don't run out and purchase a spreadsheet program before reading this article. Why Do I Need A Spreadsheet...

What Is a Bullseye Report?

Provides accurate, current and complete information to acquire new business, manage customers and maximize collections. Files on more than 215 million credit-active consumers nationwide are maintained in Experian's database. An inquiry initiates a search of this...

Protected: What Consumer Accounts Can I Report

First things first. How you register to report with the Credit Bureau(s) will determine which accounts you will be selecting from your client base. When you first consider the idea of reporting credit history, you may envision a way to collect on those accounts who...

2016 deadlines for action are approaching

Update 8/10/2017 Many Credit Reporting Agencies (CRAs) have started enforcing these new policies, please review communications from your reporting CRA to determine if you are still compliant with Metro 2 ® Reporting Guidelines and NCAP. Data Furnisher Reporting &...

Goodbye to SSL v3

Reporters/Data Furnishers of Metro 2 Format Data - On April 9 2016, Experian officially disabled SSL v3 support on their Secure Transport Service(STS). While the Experian STS covers many mechanisims for reporting, this change greatly affects web browser users...

What is E-OSCAR?®

A new article exploring the topic of E-OSCAR. e-OSCAR, the Online Solution for Complete and Accurate Reporting, is a browser-based, Metro 2® compliant system that has been developed by Equifax, Experian, Innovis and TransUnion...Read Full Article...