Metro 2 Format

Metro 2 Credit Reporting Software

Metro 2 Format

Originally created in 1997 by the Consumer Data Industry Association (CDIA), the Metro 2 Format provides a standard format for reporting credit data to the four major credit bureaus.


  • One standard format for reporting to all four major credit bureaus.
  • Designed to meet the requirements of the Fair Credit Reporting Act (FCRA) and Fair Credit Billing Act (FCBA).
  • Accommodates reporting of four-digit years for Y2K compliance.
  • Allows reporting of consumer payment history up to 24-months.
  • Provides the ability to report detailed information at both the account and consumer level.

Our Metro 2 Credit Reporting Software will help you report accurate and timely information to all four credit bureaus.

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