M2 Reporter Help
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  • About M2R
  • Getting Started
    • Before You Begin
    • How To... >
      • Install M2R >
        • New Install of M2R
        • Updating M2R
      • Navigate
      • Import Data into M2R
      • Create and Send Your Metro 2 File
      • Add/Edit/Delete
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  • What Is ...
    • Company Setup
    • Edit Account - Account
    • Edit Account - Outside Agencies
    • Edit Account - Customer
    • Edit Account - Customer Employment
    • Edit Account - Joint Customer
  • General Reporting Guidelines
    • Banking / Savings & Loan / Credit Union - Installment Loan & Line of Credit
    • Child Support Reporting
    • Credit Cards (non-Retail Cards)
    • Loan Finance Companies
    • Mortgage Lending
    • Residential Rental Reporting >
      • Multiple Tenant Situations
      • Vouchers, Subsidies, Rent Credits, Concessions
      • Lease Renewals
      • Post-lease Outstanding Balances
    • Third Party Collection Agency/Debt Purchaser/Factoring Company Reporting
    • Student Loan Reporters – Federal Loans
    • Student Loan Reporting
    • Utility Company Reporting
    • Consumer Dispute Process
  • FAQ
    • Accounts Included In Bankruptcy
    • Account Status, Payment Rating, Special Comment
    • Consumers Affected by Natural Disaters
    • Consumer Information
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    • Deleting Accounts/Borrowers
    • Delinquency Reporting
    • Duplicate Tradelines
    • ECOA Requirements
    • FCRA Requirements
    • First Time Reporters
    • What if we don’t currently capture data for a specific field in our system?
    • Reporting Scenarios >
      • FAQ 19 - How should deceased borrowers be reported?
      • FAQ 34 - How should charged off accounts be reported?
      • FAQ 38 - How should accounts that are paid in full for less than the full balance (i.e., settled) be reported?
      • FAQ 39 - How should a paid in full, closed account be reported?
      • FAQ 40 - How should a closed account be reported that has an outstanding balance?
      • FAQ 41 - How long should paid accounts (Account Status Codes 13, 61-65) continue to be reported?
      • FAQ 61 - How should an account be reported when merchandise has been repossessed?
      • FAQ 62 - How should an account be reported when merchandise has been repossessed?
  • Reference
    • Quick Reference Guides to Industry Standards >
      • Banking / Savings & Loan / Credit Union – Installment Loan & Line of Credit
      • Child Support Agencies
      • Credit Cards (non-Retail Cards)
      • Debt Buyers / Collection Agencies
      • Loan Finance Companies
      • Mortgage Lending
      • Point Of Sale
      • Retail Accounts (store exclusive)
      • Sales Finance Companies
      • Student Loan Reporters – Federal Loans
      • Student Loan Reporters – Private Loans
      • Utility Companies
    • Portfolio Type
    • Account Type Codes By Industry
    • Date of Account Information
    • Account Type Codes
    • Terms/Payment Amount Conversion to Monthly
    • Account Status Codes
    • Special Comment Codes by Portfolio
    • Special Comment Codes
    • Date of First Delinquency >
      • Fair Credit Reporting Act Excerpts
    • Consumer Information Indicators (bankruptcy codes)
    • Country Codes
    • General Rules for Address
    • State Codes
    • Compliance Condition Codes
  • Glossary
    • A - M
    • N - Z
  • M2 Reporter Home
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M2R On-Line program manual

How M2R Works

M2R is a software program which generates the Metro 2® format and Rental 1® format files required by Equifax, TransUnion, Experian, Innovis and MicroBilt  in order to report consumer and/or commercial tradelines. Our software is kept up to date up-to-date with the Credit Reporting Resource Guide® requirements and meets all credit reporting laws and regulations. 

No complexity, no "special training" or programming required. Just;
  1. Establish your Data Furnisher Account with the bureau(s) of your choosing
  2. Purchase and install our M2R software
  3. Manually enter or import your accounts
  4. Generate the Metro 2® format or Rental 1® format file
  5. Upload the file using your credit bureau(s) Data Furnisher account
  6. Once this process is completed the credit bureau(s) you report to will update the consumers credit record automatically.
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M2 Reporter - the company

M2 Reporter is an Oregon based company with decades of experience in data management and customer service. M2 Reporter is dedicated to developing consumer software products that are easy to use, while bringing measurable value to the credit reporting industry and providing more efficient tools for customers through the application of computer technologies. 

Back in 1998 we saw the need for a Metro 2 reporting solution that was simple, economical and accurate. So, we got busy creating M2R, with the idea that Metro 2 credit reporting software could be accurate as well as user friendly with a price point that wouldn't break the bank.

For the past several decades M2 Reporter has been providing business solutions for reporting consumer, debtor and commercial trade lines to the major credit-reporting repositories, Equifax, Experian, TransUnion, Innovis and, most recently, MicroBilt. During this time, we have become a very competitive software vendor known for it’s highly accurate, user friendly, economical, Metro 2 format reporting software and first rate technical support team.

M2 Reporter has a fully trained, on site, full-time staff, to meet your technical support needs.

Technical Support

If you have a technical question or need assistance installing, configuring or using your M2R software, our technical staff can be reached Monday through Friday 8 am – 5 pm Pacific Standard Time. Please call toll free at 1(800)942-0470 or contact by e-mail at [email protected]. 
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