Data Reporting is at the heart of the process that builds a consumer credit report. Without data furnishers sending timely and accurate account updates to TransUnion, there is no credit report. Accurate and timely data reporting means successful risk mitigation for businesses, accurate credit scores for consumers and less litigation for credit reporting customers. Accessible credit information enables all kinds of businesses to make informed decisions when extending credit, making promotional offers, and facilitating a wide range of other activities essential to a healthy market economy. This credit information is based on the billions of updates we receive each month from auto dealers and finance companies, banks, credit unions, mortgage companies, retailers, student loan providers, public records and more — for virtually every market-active adult in the United States. At the core of the process are the Metro 2® Reporting Guidelines.