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Overview of Metro 2®

Created by the Consumer Data Industry Association (CDIA), Metro 2 is a standard electronic reporting format that data furnishers must adhere to when submitting consumer credit information to the credit bureaus. It is designed to help data contributors ensure they are providing accurate, quality consumer credit information and complying with the Fair Credit Reporting Act (FCRA).

Whether you’re a bank, credit union, credit card company, retailer, energy company, or other credit furnisher, your organization is obligated to report accurate consumer credit history. To streamline this process, the credit reporting industry has adopted Metro 2 which helps data providers submit a standardized data format, ensure accurate data reporting to credit agencies, and meet FCRA compliance requirements.

About DataArc 360

DataArc 360 is a credit reporting software that will help your organization adhere to the Metro 2 format. Powered by Experian Pandora, DataArc 360 is an innovative data management platform with pre-built rules to help data furnishers minimize disputes and support organizational data management processes.

Designed with the business user in mind, DataArc 360 empowers analysts to profile, transform, and manage consumer credit data quality over time. Data files are checked against the Metro 2 rules and DataArc 360 credit reporting software flags any discrepancies before they are submitted to the bureaus. With customizable dashboards and alerts, data furnishers are able to monitor their data and achieve accuracy in credit reporting. 

Features of DataArc 360


Profiles data against Metro 2 standards quickly, allowing you to browse through as many as 2 billion records on screen within seconds. 

Automated and comprehensive

With more than 115 custom, pre-built rules, DataArc 360 analyzes, corrects, and reports on your data automatically. 


Empower both business and technical users to proactively manage credit files with role-based security permissions. 

Issue management

Quickly identify and resolve errors in your data file prior to submission to the credit bureaus. 

Discover more about Metro 2 regulations


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