Metro-2 (Russian: Метро-2) is the informal designation for a clandestine and officially unacknowledged deep underground metro system in the Moscow metropolitan area.

METRO 2 FORMAT® Credit Reporting Software for reporting consumer or debtor data to any of the major credit bureaus; Equifax, Experian, Innovis, TransUnion and MicroBilt.

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CDIA’s educational materials are the most authoritative source of information on reporting using the Metro 2® Format. Based on what you learn, you may identify changes or enhancements needed for your existing Metro 2® program.

The METRO2 language and software system was designed to give companies a universal language and standard of reporting that all financial institutions must use when sending their customers’ data to the three credit bureaus. This will enable banks to comply with the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA).

Our software enables businesses to accurately report consumer, debtor, and commercial trade lines to national credit bureaus using the industry-standard Metro 2 ® format.

The first step to ensuring Metro 2® compliance is properly training and educating staff members responsible for credit reporting. This can include understanding the Metro 2® format, reporting guidelines, dispute resolution processes, and data security protocols.

Billions of pieces of information that creditors, debt collectors, and other “furnishers” of information send to credit reporting agencies are in a standard format called Metro 2.

Our Credit Time 2000® Metro 2® Credit Reporting Software allows any businesses to report consumer credit accounts and business commercial accounts to all of the national credit bureaus - Equifax, Experian, Innovis and Trans Union.