Credit repair terms · FCRA · CROA
What is Metro 2?
A documentation-first definition.
Metro 2 (Metro 2 reporting standard). Metro 2 is the credit reporting format published by the Consumer Data Industry Association (CDIA) that every furnisher uses to report consumer credit data to Equifax, Experian, and TransUnion. The standard specifies exact field formats, status codes, and date conventions. Each Metro 2 field is a potential FCRA accuracy challenge if reported incorrectly.
Consumer Data Industry Association
Read the statutory text on the Cornell Legal Information Institute: https://www.cdiaonline.org
How Pinnacle applies this term.
Pinnacle's forensic audit reviews every Metro 2 field on every tradeline across all three bureaus. Inaccurate fields are the basis for FCRA section 611 and section 623 disputes.
Pinnacle is a San Mateo, California-based forensic credit-repair firm operating under FCRA and CROA. Documentation-first dispute strategy; fixed-fee; capacity-limited; CROA compliant.
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