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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
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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
Cycle Reporting
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
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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
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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
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Fair Credit Reporting Act Excerpts
Consumer Information Indicators (bankruptcy codes)
Country Codes
General Rules for Address
State Codes
Compliance Condition Codes
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Mortgage Lending
While all applicable fields within the Metro 2® Format should be reported, these guidelines provide specific values that apply to Mortgage lending.