Using Metro 2 for Disputing Inaccuracies on Your Credit Report

Metro-2 Compliancy disputes can sometimes be an effective approach to credit repair, because they focus on technical accuracy and data integrity, rather than simply challenging the validity of an account.

Under the Metro-2 format — the standardized reporting system used by the big three credit bureaus — every piece of information must meet strict guidelines for how data is reported, coded, and updated.

When you dispute using Metro 2 standards, you are essentially asking the bureaus and furnishers to prove tha the account is being reported in full compliance with those technical standards as required by the Fair Credit Reporting Act (FCRA) and the Consumer Data Industry Association (CDIA).

If a creditor or credit bureau fails to meet those precise requirements, the information on your credit report can be corrected or deleted.

Like all dispute methods, Metro-2 based disputes do not come with a guarantee of a certain result.

Four Possible Outcomes of a Metro 2 Dispute

1. The creditor might respond to the bureau confirming that the account is accurate. (Even if it not 100% accurate.)
   
2. The account information might be corrected or updated, but not deleted.
   
3. The dispute might not be thoroughly reviewed or investigated; and therefore, remain unchanged.
   
4. The account might be deemed out of compliance and deleted.

For more information, including:

• How does Metro 2 work and what are the lies being told on Youtube by scammers?

• How can you avoid getting your dispute letter flagged as “frivolous”?

• Can a company be held liable for being out of compliance with Metro 2?

• Can you (or your attorney) file a lawsuit against Metro 2?

• What are two templates for challenging Metro 2 compliance? (I have two original letters you can use.)

All of these questions are answered in easy-to-understand detail in Chapter 16, “Metro 2 System Disputes” in Repair Your Credit Like the Pros DEEPER DIVE. Take a look here.

Many thanks to professional credit repair expert Neal Yeagley for sharing his experience and knowledge.