- Associated Credit Bureaus Inc
- Consumer Credit Reporting Guide
- Credit Reporting Resource Guide Pdf
- Transunion Credit Reporting Resource Guide
Your credit reports and scores have an impact on your finances. Our resources can help you better understand them, learn how to correct errors, and improve your credit record over time.
Know the data on your credit report
The Credit Reporting Resource Guide (CRRG) The Credit Reporting Resource Guide (CRRG) was created by the Consumer Data Industry Association (CDIA) to assist Data Providers with reporting credit information to the credit bureaus. Www.equifax.ca Consumer Credit Report User Guide NOTE: THIS REPORT SHOWS A SAMPLE OF POTENTIAL INFORMATION FOUND ON A CREDIT REPORT. THIS IS NOT AN ACTUAL REPORT.
You know your credit report is important, but the information that credit reporting companies use to create that report is just as important—and you have a right to see that data. Use our list of credit reporting companies to request and review each of your reports.
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Basics
Learn how to get your credit reports
You should check your credit reports at least once a year to make sure there are no errors that could keep you from getting credit or the best available terms on a loan. Read more
What to look for in your credit reports
Once you request your credit reports, it’s important to know what kind of information you should be on the lookout for as you review them. Read more
Learn about the difference between credit scores and credit reports
Your credit reports and credit scores are both critical to your financial health, but they play very different roles. Read more
Key terms
Understand your situation
Common issues
Know your rights
Take action
How-to guides
Submit a complaint
If you are having an issue with credit reporting or scores, you can submit a complaint to the CFPB. We’ll work to get you a response from the company.
Note: You should also submit a dispute directly to both the credit reporting company who sent you the report and the company that provided the information.
Download Instructions for the Metro 2® Format
If your company furnishes consumer credit account data on a regular basis to credit reporting agencies, you have duties under the Fair Credit Reporting Act (FCRA) to correct and update that consumer credit history information.
To assist data furnishers (such as banks, credit unions, consumer credit card companies, retailers, and auto finance companies) in this process, the credit reporting industry has adopted a standard electronic data reporting format called the Metro 2® Format.
Access to the Metro 2® Format is limited to employees of (a) companies that furnish data to consumer reporting agencies in either the MetroTM or Metro 2® Format, (b) data processors who furnish data to consumer reporting agencies in either the MetroTM or Metro 2® Format, (c) software vendors who provide MetroTM or Metro 2® programming software, and (d) consumer reporting agencies that accept or transmit data in the MetroTM or Metro 2® Format.
To access the Metro 2® Format you must log in to your CDIA Online Account. If you are not a registered user, you will need to first create a CDIA Online Account(you will be sent an auto email afterward to verify your email address and complete the creation of your account). For additional assistance, please review our CDIA Account Access Guide.
Once logged in, you will see your CDIA Online Account homepage. Click on ‘Metro 2® Access‘ under the CDIA section and follow the instructions below:
If CDIA recognizes your login as a Metro 2® approved user –
Associated Credit Bureaus Inc
- you will be directed to the Metro 2® Access Agreement page. Carefully review the ‘Terms and Conditions’ and click “I Accept This Agreement” to gain immediate access to the Metro 2 ® Format documents. In the future, you will just need to log in to your CDIA Online Account and click ‘Metro 2® Access‘ under the CDIA section of your CDIA Online Account homepage to access the Metro 2 ® Format documents.
If CDIA does not recognize your login as a Metro 2® approved user –
- you will be directed to a page to review the Metro 2® Access Policy.
- If you qualify, please click on the link provided and follow the instructions on how to get Metro 2® Access.
- Once that is completed, carefully read and accept the Metro 2® Access Agreement to gain immediate access to the Metro 2® Format documents.
- For future access, you will just need to log in to your CDIA Online Account and click ‘Metro 2® Access‘ under the CDIA section of your CDIA Online Account homepage.
Resources
- FAQ 45 – Reporting Loans in Forbearance (2019)
- FAQ 58 – Reporting of Natural or Declared Disaster (2019)
Consumer Credit Reporting Guide
Special Note to Software Vendors
CDIA strongly recommends all software vendors to beta test a sampling of your customers’ data with each consumer reporting agency prior to mass distribution of software to ensure Metro 2® standards have been met. Refer to the Implementation Checklist in the Credit Reporting Resource Guide®; section 8, for details.
Credit Reporting Resource Guide Pdf
Thorough testing of your software version of the Metro 2® Format prevents costly changes, redistribution of your software and customer delays in reporting.
Transunion Credit Reporting Resource Guide
If you have any questions regarding the Metro 2® Format, contact your consumer reporting agency contacts.