Charge-Off Reporting in Metro 2 — Status Codes, Amounts & Rules
Metro 2 reporting rules for charge-offs: when to set status code 97, how to report the original charge-off amount, and how balances and payments work after write-off.
Updated 8/14/2025 · 1 min read
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Fixed reference point
When an account charges off, record the original charge-off amount and keep it fixed in subsequent updates. This reference supports recovery accounting and consumer disclosures.
Recoveries
Apply post-charge-off recoveries against the charged-off balance rather than creating a new active tradeline.
Last updated
8/14/2025