Format Requirements

Metro 2 Format

The Metro 2 format is the industry standard file format for reporting consumer credit information. Reporting in the Metro 2 Format greatly benefits the credit grantor, the consumer reporting agencies and your customer by:

  • Allowing credit information to be added and mapped to the consumer’s file with greater consistency.
  • Accommodating cycle reporting of data, which allows timelier updating of the credit file.
  • Allowing complete identification information to be reported for each consumer (including cosigner, etc.) each month which improves the ability of the consumer reporting systems to match to the correct consumer.

The Credit Reporting Resource Guide (CRRG)

The Credit Reporting Resource Guide (CRRG) was created by the Consumer Data Industry Association (CDIA) to assist Data Providers with reporting credit information to the credit bureaus. The CRRG contains detailed information regarding the Metro 2 format such as: required fields, account type codes, account status codes, bankruptcy indicators, account number changes, payment history, and delinquency reporting.

To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.