Glossary: Plain-English Metro 2® Concepts
Short definitions to demystify common terms used in reporting.
Updated 8/14/2025 · 1 min read
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Key terms
As-of date: The cycle date the record's balances and statuses reflect.
Tradeline: A reported account with attributes and monthly performance.
DOFD: Date of first delinquency leading to charge-off/collection.
Utilization: Balance divided by credit limit for revolving accounts.
Segments & records
Base segment: Core attributes for the reported account.
Appendage segments: Optional context (J/K/L/N) applied when applicable.
Header/Trailer: File-wide identification and balancing totals.
Last updated
8/14/2025