Metro2 Credit Reporting Software | Modern Cloud-Based Solution

1. File-level Rules

Rule	Requirement
Encoding	UTF-8 (no BOM)
Delimiter	Comma or tab – stay consistent
Header row	Must match the column names & order in §§ 2-3
Date format	YYYYMMDD (8 digits) – no slashes or dashes
Money / limits	Whole dollars only; negatives with a leading "-"
Blanks	If a field is "not applicable," leave it empty (never "N/A", "null", etc.)
Submission cadence	Transmit one file per month after the billing cycle closes; include every open tradeline each month

2. Fields That Can Be Inferred or Auto-Calculated

Our system can automatically calculate or infer many fields based on the data you provide, reducing the burden of manually populating every field. The table in section 3 indicates which fields have inference capabilities with notes marked as "(see §2)".

Payment-Related Fields

Scheduled Payment Amount: Calculated from loan amount, duration, and frequency
Actual Payment Amount: Defaults to scheduled amount for current accounts

Status Fields

Account Status: Inferred from days past due when blank
Payment Rating: Auto-set when required by status
Payment History: Generated from account age and delinquency timing

Data Parsing & Formatting

Name Fields: Parsed from full name when individual fields missing
Address Components: Intelligently parsed from full address
Phone Numbers: Auto-formatted and cleaned
ZIP Codes: Formatted and padded as needed

Credit & Delinquency

Credit Limit/Highest Credit: Synchronized when one is zero
Amount Past Due: Auto-corrected for current/paid accounts
Date of First Delinquency: Calculated from days past due

Note: This inference system ensures data completeness while maintaining Metro 2® compliance, reducing the burden on clients to provide every field when the data can be logically derived from other fields.

3. Core / Base Segment Layout (Fields 5 – 46)

Type key: N = numeric, A = alpha, AN = alphanumeric, ANS = alphanumeric + space

Required* = required except where CRRG expressly allows blank

Field Requirements:

RequiredMust be provided in all cases

ConditionalRequired under specific circumstances

OptionalMay be omitted if not applicable

#	Column Name	Len/Type	Requirement	Accepted Values & Meaning
5	IdentificationNumber	≤20 AN	Required	Unique furnisher/branch ID; must remain constant
6	CycleIdentifier	2 AN	Conditional	Report only if you break reporting into multiple cycles (e.g. "01", "17")
7	ConsumerAccountNumber	≤30 AN	Required	Exact account # as on the statement (tokenised OK)
8	PortfolioType	1 A	Required	C I M O R – Line of Credit, Installment, Mortgage, Open, Revolving
9	AccountType	2 AN	Required	Full list of >100 codes
10	DateOpened	8 N	Required	Original open date – never future
11	CreditLimit	9 N	R*	Whole-dollar limit for C/M/R/O; else 0 (Can be auto-synchronized with Highest Credit - see §2)
12	HighestCreditOrOrigLoanAmt	9 N	Required	Highest balance ever (LOC/REV) or original principal (Install/Mtg) (Can be auto-synchronized with Credit Limit - see §2)
13	TermsDuration	3 AN	Required	Months (001-999) or constants LOC, REV, 001 (Open)
14	TermsFrequency	1 A	Required	D P W B E M L Q T S Y
15	ScheduledPaymentAmt	9 N	Conditional	Contractual payment this period; 0 for Open portfolios (Can be auto-calculated - see §2)
16	ActualPaymentAmt	9 N	Optional	Whole-dollar payment received this period (Can be auto-inferred for current accounts - see §2)
17	AccountStatus	3 AN	Required	Full CRRG list (Can be auto-inferred from Days Past Due - see §2)
18	PaymentRating	1 A	Conditional	Required only with final or derogatory statuses; 0-6,G,L as defined (Auto-set when required - see §2)
19	PaymentHistoryProfile	24 AN	Optional	24-month string (0-6,B,D,E,G,H,J,K,L) – newest at left (Can be auto-generated - see §2)
20	SpecialComment	2 AN	Optional	Two-char codes
21	ComplianceConditionCode	2 A	Optional	XA-XR
22	CurrentBalance	9 N	Required	Outstanding balance as-of field 24
23	AmountPastDue	9 N	Conditional	>0 when Status is late/derog; must be 0 if Status 11 or 13 (Auto-corrected - see §2)
24	OriginalChargeoffAmt	9 N	Conditional	Required only if Status 97
25	DateOfAccountInfo	8 N	Required	Cycle closing date ("as of")
26	FCRA_DOFI	8 N	Conditional	Date of first delinquency leading to CO/Collection (Can be auto-calculated - see §2)
27	DateClosed	8 N	Conditional	Required if Status 13 or any final 60-day+ status
28	DateLastPayment	8 N	Optional	Most recent payment date (Defaults to Date Opened - see §2)
29	InterestType	1 A	Optional	F Fixed, V Variable
30	Surname	25 ANS	Required	Primary consumer last name (Can be parsed from full name - see §2)
31	FirstName	15 ANS	Required	(Can be parsed from full name - see §2)
32	MiddleName	15 ANS	Optional	(Can be parsed from full name - see §2)
33	GenerationCode	1 A	Optional	J S 1-9 (Jr, Sr, III…)
34	SSN	9 N	R*	Zero-fill if unknown
35	DateOfBirth	8 N	Conditional	00000000 if unknown; required for ECOA 3 (Becomes required when SSN invalid - see §2)
36	PhoneNumber	10 N	Optional	Digits only (Auto-formatted - see §2)
37	ECOACode	1 A	Required	1 2 3 5 7 T X W Z
38	ConsumerInfoIndicator	2 AN	Optional	A-H,1A,Q,R,V,2A,S,T,U
39	CountryCode	2 A	R*	US or any CRRG code
40	Address1	30 ANS	Required	(Can be parsed from full address - see §2)
41	Address2	30 ANS	Optional	(Can be parsed from full address - see §2)
42	City	20 ANS	Required	(Can be parsed from full address - see §2)
43	State	2 A	Required	USPS plus territories (Can be parsed from full address - see §2)
44	PostalCode	11 AN	Required	ZIP + 4 allowed (no dash) (Auto-formatted - see §2)
45	AddressIndicator	1 A	Required	C M U (Complete, Military, Foreign)
46	ResidenceCode	1 N	Optional	0 Undesignated, 1 Own, 2 Rent

5. Appendices – Full Code Lists

Comprehensive Bankruptcy Reporting Guide

1. Key Fields for Bankruptcy Reporting

Consumer Information Indicator (CII) - Field 38

Petition Filed:

A = Chapter 7 petition filed
B = Chapter 11 petition filed
C = Chapter 12 petition filed
D = Chapter 13 petition filed

Discharged/Completed:

E = Chapter 7 discharged
F = Chapter 11 discharged
G = Chapter 12 discharged/completed
H = Chapter 13 discharged/completed

Other BK Events:

Q = Removal (removes petition indicator)
R = Chapter 7 reaffirmation of debt
V = Chapter 7 reaffirmation rescinded
2A = Lease assumption

ECOA Code - Field 10

T = Terminate non-filer protected by stay (do not report during stay/plan)
Z = Delete authorized users on accounts in petition
Resume with real ECOA (1, 2, etc.) when protection ends, not T

Account Status - Field 17A

Keep reporting; use petition-time status or as-of DOI depending on scenario
Ch 7/11: Report status as of Date of Account Information (FAQ 27c/d)
Ch 12/13: Report petition-time status until plan confirmed (FAQ 28)

Payment History Profile - Field 21

Report "D" in first (leftmost) position for each month the stay is in effect
Never remove historic "D" markers (even if BK converts or is dismissed)
Continue incrementing "D" monthly during stay/plan period

Date of First Delinquency (DOFD) - Field 25

If current when included in Ch 7: DOFD = Bankruptcy Petition Date
If already delinquent before BK: Keep original DOFD
Ch 12/13 converting to Ch 7 with Status 11: Keep original Ch 12/13 petition date

2. Reporting Scenarios

A) Chapter 7 or 11 - All Borrowers are Filers (FAQ 27c)

Month BK Filed:

CII: A (Ch 7) or B (Ch 11)
Account Status: As of DOI (not necessarily petition-time)
Payment History: First character based on prior month's status
Current Balance/Scheduled Payment/Amount Past Due: As of DOI
Authorized Users: Delete (ECOA = Z)

Between Petition and Resolution:

CII: A/B or blank (retain prior value)
All other fields: As of DOI each month

Discharged:

CII: E (Ch 7) or F (Ch 11)
All fields: As of DOI
After reporting E/F, stop reporting filer(s)

Reaffirmation:

CII: R (Ch 7 reaffirmation) or 2A (lease assumption)
If BK later discharged but reaffirmation remains: Do NOT report discharge
Keep reporting as reaffirmed

Dismissed/Withdrawn:

CII: Q (removal)
Keep reporting other fields as of DOI
Do NOT remove prior "D" markers from Payment History

B) Chapter 7 or 11 - One Filer + One Non-Filer (FAQ 27d)

General Rules:

Non-Filer protected by stay → ECOA = T (terminate)
Do NOT report Non-Filer while stay applies
Authorized users must be deleted (ECOA = Z)

Month BK Filed:

CII: A/B for Filer, blank for Non-Filer
Account Status/Balance/Scheduled/Past Due: As of DOI

Discharged:

CII: E/F for Filer, blank for Non-Filer
After E/F, stop reporting Filer

C) Chapter 12 or 13 - Plan Bankruptcy (FAQ 28)

C1) All Filers (FAQ 28b):

Month BK Filed:

CII: C (Ch 12) or D (Ch 13)
Account Status: Status at time of petition
Payment History: First character based on previous month
Current Balance/Scheduled/Past Due: Petition-time values

Plan Confirmed:

Switch to plan terms for filer(s)
Current Balance: Plan balance (declines as paid)
Amount Past Due: 0
Terms Duration/Frequency: Update to plan
Scheduled Monthly Payment: Plan payment
DOI: Current month

Plan Completed - No Further Obligation:

CII: G/H (Ch 12/13 completed)
Current Balance/Scheduled/Past Due: 0
After G/H, stop reporting filer(s)

Plan Completed - Consumer Keeps Paying:

CII: Q (removal)
Payment History: First month "D", then normal increments
Continue reporting tradeline

Conversion to Ch 7:

CII: A (petition) or E (discharged)
If Status 11: Keep original Ch 12/13 petition date in DOFD
Continue under FAQ 27 rules

C2) Mixed: One Filer + One Non-Filer (FAQ 28d):

Special Rules:

Filer: Report with CII codes as above
Non-Filer: Do NOT report during protected period (ECOA = T)
When protection ends: Resume with real ECOA (not T)
First month back: Set Payment History first position to "D"

3. Quick Implementation Checklist

✓

If BK petition filed (Ch 7/11):

→ CII A/B; Status & monetary fields as of DOI; Payment History "D" during stay; Delete AU (ECOA Z)

✓

If BK petition filed (Ch 12/13):

→ CII C/D; Status = petition-time; Balance/Past-Due/Scheduled at petition values; Increment "D" monthly

✓

If Non-Filer protected:

→ ECOA = T, do not report during protection; Resume with real ECOA when protection ends

✓

If Discharge (Ch 7/11):

→ CII E/F, then stop reporting filer

✓

If Plan Completed (Ch 12/13) - No obligation:

→ CII G/H, Balance/Scheduled/Past-Due = 0, stop reporting filer

✓

If Plan Completed (Ch 12/13) - Payments continue:

→ CII Q, first month "D", then normal status increments

✓

If Reaffirmation (Ch 7):

→ CII R (or 2A for lease); Do NOT send E/F if BK discharges

✓

If BK dismissed/withdrawn:

→ CII Q; Keep other fields as of DOI; Do NOT remove prior "D" months

✓

If Ch 12/13 converts to Ch 7:

→ CII A/E; Keep DOFD if Status 11; Continue under Ch 7 rules

⚠️ Critical Implementation Notes

• Never remove historic "D" markers from Payment History Profile
• Always delete Authorized Users (ECOA = Z) when account enters bankruptcy
• Non-Filers protected by stay must use ECOA = T (not reported)
• Reaffirmed debts continue reporting even if bankruptcy is discharged
• Plan values replace original terms in Ch 12/13 after confirmation
• FAQ references: 27(c) and 27(d) for Ch 7/11; 28(b) and 28(d) for Ch 12/13

Using the File

Validate header, required fields and value sets (Appendices) before ingest.

Apply cross-field edits (e.g., Portfolio ↔ AccountType, Status ↔ AmountPastDue) per CRRG Exhibit 15.

Transform each row into a 426-byte Base segment and add J/K/L/N segments when their lead fields are non-blank.

Pad & wrap the batch with Metro 2 Header/Trailer prior to CRA submission.

Note: This single guide contains every Metro 2 field your customers could send (Base + all optional segments), with clear Required/Conditional/Optional tags and exhaustive value lists referenced in the appendices.

Metro 2® Furnisher Upload Guide

Template File Available

1. File-level Rules

2. Fields That Can Be Inferred or Auto-Calculated

Payment-Related Fields

Status Fields

Data Parsing & Formatting

Credit & Delinquency

3. Core / Base Segment Layout (Fields 5 – 46)

5. Appendices – Full Code Lists

Portfolio Type (Base-Segment Field 8)

Compliance Condition Code (CCC) – Field 20

Consumer Information Indicator (CII) – Field 38

Appendix A: AccountType (Field 9)

Appendix B: TermsFrequency (Field 14)

Appendix C: AccountStatus (Field 17)

Appendix D: SpecialComment (Field 20)

Appendix E: ComplianceConditionCode (Field 21)

Appendix F: ECOACode (Field 37)

Appendix G: ConsumerInfoIndicator (Field 38)

Appendix H: Country & State Codes (Fields 39, 43)

Appendix I: CreditorClassification (Field 74)

Comprehensive Bankruptcy Reporting Guide

1. Key Fields for Bankruptcy Reporting

Consumer Information Indicator (CII) - Field 38

ECOA Code - Field 10

Account Status - Field 17A

Payment History Profile - Field 21

Date of First Delinquency (DOFD) - Field 25

2. Reporting Scenarios

A) Chapter 7 or 11 - All Borrowers are Filers (FAQ 27c)

B) Chapter 7 or 11 - One Filer + One Non-Filer (FAQ 27d)

C) Chapter 12 or 13 - Plan Bankruptcy (FAQ 28)

3. Quick Implementation Checklist

⚠️ Critical Implementation Notes

Using the File