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We Use METRO2 Compliance

METRO2 Compliance is a powerfully effective process of using the credit bureau’s own e-OSCAR system to verify whether items on your credit report meets METRO2 compliance standards. This tactic forces the e-OSCAR system to work to your benefit, not the benefit of the Credit Reporting Agencies.

Most credit repair companies do not use METRO2 Compliance Challenges. There is a massive difference between traditional credit repair template dispute letters vs. METRO2 Compliance letters. METRO2 challenges the bureau’s own e-OSCAR system. Sending a METRO2 Compliance letter triggers e-OSCAR to electronically evaluate whether all data is mandatorily perfect and complete in regard to METRO2 Formatted Reporting Standards, and whether it is properly reporting within the compliance standards set forth by the FCRA. The FCRA requires that only data which is factually documented to be physically verified as fully true (or correct, complete as reported, timely in its reporting, of a known responsibility and ownership, or else wisely validated( can be legally reported on your credit report.

With a METRO2 Compliance request, if the check for compliance is deficient or delayed or refused or questionable in any manner, it will contest the accusing with a lawfully leveraged challenge to demonstrate the certification of factual reporting (the process of reporting as well as the item itself of reporting) which includes the mandatorily perfect and complete METRO2 Formatted Reporting Standards, the applicable requisites of the FCRA, the applicable requisites of the FDCPA, and or any other standard or regulation that might possibly be applicable.

Compliance of Reporting is a minimal standard of reporting. It is not an optional one whereas the truth and validity of claims is a minimum standard of collection. Not all items that meet collection standards meet the requisites of reporting. The fact is you can have a legally collectable item that is not legally reportable.

What this means for you is that when we send METRO2 Compliance Challenges on your behalf, we are providing the best way to increase the effectiveness of the letters being sent. We are getting the best results possible for you. We are leveraging the bureau’s own systems to do the work for us. METRO2 Challenges brings the power of all of the Consumer Protection laws as well as the bureau’s own self stated reporting standards at the same time.

What is METRO2?

There are consumer protection laws like the Fair Credit Reporting Act, the Fair Credit Billing Act, Equal Opportunity Credit Act and the Fair Debt Collection Practices Act. In order to implement regulations within the credit repair industry, the Credit Bureaus created their own standard of reporting for any creditor or Data Furnisher that wanted to place information onto a consumer’s credit report.

Also, each industry that reports to the credit bureaus has its own set of standards, regulations and types of information that goes onto a credit report. For example, a credit card company reports different information than a mortgage company – a mortgage company reports different information than an auto lender, a student loan servicer, a collection company, a medical debt service, and so on. In order to effectively report the data from all of the different types of industry accounts as well as stay within the bounds of the different consumer protection laws, the Credit Bureaus and Data Furnishers developed the METRO2 system software language.

What is e-Oscar?

e-OSCAR is a web-based, METRO2 compliant system that has been developed by Equifax, Experian, Innovis and TransUnion, this automated system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send “out-of-cycle” credit history updates to CRAs.

The system primarily supports Automated Credit Dispute Verification (ACDV) and Automated Universal Dataform (AUD) processing as well as a number of related processes that handle registration, subscriber code management and reporting.

Understanding METRO2 Compliance

With the creation of the METRO2 language and software, the credit bureaus were able to implement a universal language and standard of reporting that all companies must use when sending data about their customers to the bureaus. The bureaus then add that information to the consumer’s credit report. The METRO2 system is a fully FCRA-complaint system. One of the benefits of the Credit Bureaus implementing this system is that it enabled banks to comply with the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA).

The METRO2 standards for reporting an account (set by the Credit Bureaus) is HIGHER than the standard set in the consumer protection laws. This means that it is possible for an account reporting on a credit report to meet the minimal standards of the FCRA or the FDCPA, but not actually meet the higher standard of reporting that the credit bureaus have set for themselves and for anyone that reports to them.

This is important for a few reasons: First, because it opens each account up to much wider scrutiny than just factual disputing based on the consumer protection laws alone. Second, this also means that an account does not have to have a visible error for it to be deleted from a credit report for not complying with METRO2 reporting standards.

These standards are so strict that in the Bureau’s own credit reporting guide, they state that any deviation from these standards jeopardizes the integrity of the entire account. Recently, federal regulators have placed an increased emphasis on the completeness and accuracy of the data being transmitted to the major CRAs and data being published by the each of the CRAs.


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