General Questions

What is the Metro 2® Format?

Consumer Data Industry Association®, the trade group representing the credit reporting industry, adopted a standard electronic data reporting format called Metro 2® format beginning in 1996. The Metro 2® format was created in order to comply with 1996 amendments to present with the Fair Credit Reporting Act and is designed to allow reporting of the most accurate and complete information for a consumers’ current month, which may include previous history control information upon the account opening and closing periods.

« See all FAQ's in this category

« See all Frequently Asked Questions

Credit Time 2000© is a METRO 2® credit reporting software system that allows businesses to report consumer credit information to Equifax, Experian, Innovis, and Trans Union or business commercial accounts to Experian and Equifax in the METRO 2® Credit Format . Our software is thoroughly tested and produces the most error free files in the industry! Since, 1985 we have been providing exceptional service and attention to our customers. Credit Time 2000© is recommended and accepted by all four bureaus.

Credit Time 2000(c) is upfront

COMSUMER DATA INDUSTRY ASSOCIATION®, CDIA®, the CREDIT REPORTING RESOURCE GUIDE®, and METRO 2®, are registered trademarks or trademarks of the Consumer Data Industry Association in the United States and or other countries. Neither Hutchins Systems Inc. nor is products or services are affiliated with or endorse by the Consumer Data Industry Association or CDIA.