What is Metro 2?
Metro 2 is a data specification created by the Consumer Data Industry Association for credit reporting data furnishers (who are members of the credit bureau with a data furnishing service agreement) to report consumers’ credit history information to major credit bureaus electronically and in a standardized format. It is implemented in credit reporting software packages. The specification is extensive and is designed to standardize a wide range of credit history information while complying with federal laws and regulations in credit reporting (such as accommodating consumer disputes and disputed status of information).
Source: Wikipedia - Metro 2 Format
Direct access to the Metro 2 Format is limited to employees of (a) companies that furnish data to consumer reporting agencies in the Metro 2 Format, (b) data processors who furnish data to consumer reporting agencies in the Metro 2 Format, (c) software vendors who provide Metro 2 programming software, and (d) consumer reporting agencies that accept or transmit data in the Metro 2 Format.
Metro 2 is the current industry standard for credit reporting and is accepted by all consumer reporting agencies. It meets all requirements of the Fair Credit Billing Act (FCBA), the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), and all applicable state laws.