Process Terms

    File Submission: Definition

    The process of sending Metro 2 data to credit bureaus.

    Definition

    File Submission is the process of transmitting Metro 2 formatted files to credit bureaus for processing. Submissions can be made via secure file transfer, direct connection, or through third-party processors. Each bureau has specific requirements for file naming, encryption, and scheduling.

    Usage Notes

    • Each bureau has specific requirements
    • Usually monthly submission schedule
    • Files must pass validation before processing

    Related Terms

    Data FurnisherMetro 2 FormatHeader Record

    More Process Terms

    Dispute
    A consumer's challenge to the accuracy of reported information.
    ACDV (Automated Consumer Dispute Verification)
    The system used by bureaus to process consumer disputes.
    e-OSCAR
    The industry system for processing credit disputes electronically.
    Credit Report
    A detailed report of a consumer's credit history.
    Credit Score
    A numerical representation of creditworthiness.
    Tradeline
    A record of a single credit account on a credit report.
    Soft Inquiry
    A credit check that doesn't affect credit scores.
    Hard Inquiry
    A credit check that may affect credit scores.

    Simplify Credit Reporting

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