Metro 2® FAQ
Answers to common questions about timelines, statuses, and disputes.
Timelines
How often should I report? Typically monthly, aligned to cycle cutoffs.
When must I correct errors? As soon as identified; coordinate corrections with the next submission or via ad hoc updates if material.
Statuses & balances
Can an account be current with a past-due amount? No—align data, or the record will fail validations or confuse consumers.
What happens to charge-off amounts after charge-off? The original charge-off amount remains fixed as a reference.
Disputes
How fast do I respond to a dispute? Respond within required timeframes; provide clear evidence and update data when warranted.
When should I clear dispute flags? Promptly once the condition ends to avoid unnecessary suppression or misinterpretation.