Technical Terms
Metro 2 Format: Definition
The industry standard format for credit reporting data.
Definition
Metro 2 is the credit reporting industry's standard format for furnishing consumer credit data to credit bureaus. Developed and maintained by the Consumer Data Industry Association (CDIA), it specifies fixed-length record layouts with defined field positions, lengths, and allowed values. Proper Metro 2 formatting is essential for accurate credit reporting.
Usage Notes
- All major CRAs accept Metro 2 format
- Fixed-length 426-character base records
- Optional segments add additional information
Related Terms
More Technical Terms
CRRG (Credit Reporting Resource Guide)
The official Metro 2 format specification document.
Data Furnisher
An entity that reports consumer credit information to credit bureaus.
Subscriber Code
A unique identifier assigned to data furnishers by credit bureaus.
Fixed-Length Format
A data format where each field has a predetermined size.
Alphanumeric
A field type that accepts both letters and numbers.
Numeric Field
A field type that accepts only numbers.
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