Guidelines and FAQs for Metro 2® Credit Reporting
These guidelines are specific to debt buyers & collection agencies. All other applicable fields should be reported in conjunction with these values.
Essential compliance rules for debt buyers and collection agencies. Follow these guidelines to ensure proper Metro 2® reporting.
Complete field-by-field guide specific to debt buyers and collection agencies with industry-specific requirements.
Answers to common collection reporting questions. Searchable FAQ with detailed compliance guidance.
Accurate credit reporting helps motivate consumers to resolve their debts and improves collection success rates.
Built-in compliance checks for Fair Debt Collection Practices Act requirements and dispute handling.
Automatic enforcement of 365-day waiting period and $500 minimum threshold for medical collections.
Handle thousands of collection accounts efficiently with automated Metro 2® formatting and validation.
Always communicate with consumers about the debt before reporting to credit bureaus.
Wait minimum 365 days from DOFD and exclude debts under $500 for medical collections.
Never report fines, tickets, library fines, or parking violations - only contractual debts.
Never delete collection accounts that are reported as paid in full.
Join collection agencies nationwide using M2 Reporter