Questions & Answers Home

No, you install the software directly on your system which makes it much more secure. We would rather not send your credit data across the internet. And we do not want to store your Metro 2 files on our server. Its all local to your computer and the quality of your computer security.

No, the file information is read into memory, there is no way to edit the file from within the software. If this becomes a desired feature, it will most likely be implement at that time.

Right now we are focused on the BASE 426 segment. This segment contains the bulk of your credit data and needs to be perfected. After that we will be offering extended segments like the J1 and J2 segments.

The following information contains excerpts from the CFPB website. Please visit their website for full details. Contact them directly or by web if you are having unfair reporting and financial issues which are not getting resolved properly:

“Consumer Financial Protection Bureau, a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.”

“We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions.”

“We are a government agency created after the 2008 financial crisis to protect consumers. Allow us to introduce ourselves.”

The CFPB was created to provide a single point of accountability for enforcing federal consumer financial laws and protecting consumers in the financial marketplace. Before, that responsibility was divided among several agencies. Today, it’s our primary focus.

Our work includes:

  • Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law
  • Enforcing laws that outlaw discrimination in consumer finance
  • Taking consumer complaints
  • Enhancing financial education
  • Researching the consumer experience of using financial products
  • Monitoring financial markets for new risks to consumers

Official Website:


No, We are not affiliated with any credit bureau companies. We work with the technical side of data flow and quality issues surrounding credit reporting specifically in the METRO 2 Format ®

Contact Us if you need assistance with understanding the reporting process and how you can prepare for credit reporting for the first time. There are many unforeseen tasks and obstacles along the way so we offer extended support since credit bureaus have limitations in how they may assist you.

All approval and registration takes place directly with the National Credit Bureaus: contact credit bureaus


No they do not. The national credit bureaus Equifax, TransUnion, Experian and Innovis are all separate entities. They are also competitors of one another so when it comes to submitted credit history from businesses, they do no share that credit history.

Contact the National Credit Bureaus directly for current requirements to report.


Yes you can. You just have to register with that credit bureau. This is a very common question but there is more to this topic than meets the eye.

For almost all qualifying businesses and organizations, there is no rule stating you have to report to all the credit bureaus unless you are required by some law to report mortgage credit for example. Credit Bureaus don’t share information. They are all separate entities. So don’t assume that information you have reported to Experian will show up on credit reports from TransUnion, Equifax or Innovis.

Contact the bureaus directly for approval and registration.



This guide is created and maintained by the CDIA ONLINE. It describes the METRO 2 ® file formatting, codes, rules and reporting procedures for companies reporting consumer credit history to the national credit bureaus.

The guides main purpose is to make consumer credit reporting fair and accurate. It also normalizes reporting for all businesses and organizations.

Based On FCRA and FCBA

All rules and regulations found in the METRO 2 CRRG ® were rooted in the Fair Credit Reporting Act and Fair Credit Billing Act along with other regulations from the FTC and more. So it is also a protective guide to keep you from making mistakes with your credit reporting or causing consumer disputes against their credit history and your company.

Do I have to use the Metro 2 Format ®

This guide is mandatory and you will need a copy if you are about to report credit history. Companies already reporting credit history successfully are using and adhering to the Metro 2 CRRG ® visit CDIA Online


No, pulling credit history is much different than reporting credit history.

While being a member of the credit bureaus is a great start and can help establish your business credibility for the data furnisher application, it does not automatically qualify you to report credit history to any credit bureau. However, during the process of setting up your credit pulling services, you may have elected to sign up to be a data furnisher as well.

Contact the Credit Bureaus to find out if you are already approved to be a data furnisher. If not you will need to apply with each credit bureau you plan to report credit history with.


The Metro 2 Format ® is used to report consumer credit history to the national credit bureaus but has many aspects, please read our in depth article about it here: What Is The Metro 2 Format?


Simply put, it is another name given to a business or organization who is approved to report credit history to a national credit bureau. You are the furnisher of data to the bureau.


Yes. You cannot report credit history without becoming a data furnisher for the specific bureau you wish to report credit history to. National Credit Bureau Contact Information


The National Consumer Assistance Plan is an initiative launched by the three nationwide consumer credit reporting companies – Equifax, Experian and TransUnion – to make credit reports more accurate and make it easier for consumers to correct any errors on their credit reports. Read More Here


No. The Metro 2 Format® is designed for businesses to report credit history. While a business reporting credit history may correct information about their customer credit history as it applies to their contract with the reporting company, they may not use it to report credit history for consumers who do not have a qualifying financial agreement or engagement with the reporting company. So in otherwords, as a consumer, don’t assume you can build a Metro 2 Formatted file and report it to a National Credit Agency/Bureau.

While Credit Repair companies might use Metro 2 Compliance as leverage to correct inaccurately reported credit history in the dispute process, there is no way for a consumer to directly use a Metro 2 File as a tool for credit repair. Contact the credit bureaus or the NCAP for more help with your personal credit.

Warning: attempting to repair ones own personal credit history by attempting to access a National Credit Bureaus reporting gateway and manipulate credit history or forging/spoofing another businesses Metro 2 file content is not lawful.