1. Consumer Account Number
Label in Your System
Account Number, Loan ID, or Customer ID
Required or Optional
Required
Why It Matters
Ensures uniqueness and no duplication in reporting.
Format
Up to 30 alphanumeric characters.
Important Notes
- Keep it consistent across monthly reporting.
- If this number changes, you typically must report an L1 Segment to tie old and new numbers.
2. Identification Number
Label in Your System
Furnisher ID, Internal Code, Subscriber ID
Required or Optional
Required
Why It Matters
Identifies you (or the current owner/holder) as the furnisher.
Format
Up to 20 alphanumeric characters.
3. Portfolio Type (Field 8)
Label in Your System
Account Category, Loan Type
Required or Optional
Required
Why It Matters
Defines how credit is extended or how the debt is structured.
Common Values
4. Account Type
Required or Optional
Required
Quick Tips for Selecting the Account Type
Match the Underlying Product:
Pick the code that best describes the loan's structure (mortgage vs. line of credit vs. installment, etc.).
Government-Backed Loans:
If a loan is guaranteed or insured by a government agency, use relevant codes like 66, 67, 68, or 69.
Utilities:
Typically 92 for utilities and 4D for telecom/cellular.
Collections:
For a third-party collection agency, code 48.
Leases:
Leases sometimes are 13 or 3A (auto lease).
Consolidated or Debt Consolidation:
Various codes exist (37, 75, or 91). Consult your compliance or reference documentation for the best fit.
See full specifications for complete list of account type codes.
5. Date Opened (Field 10)
Label in Your System
Origination Date, Date Account Opened
Required or Optional
Required
Why It Matters
Reflects age of the account and timeline.
Format
MMDDYYYY
6. Highest Credit or Original Loan Amount (Field 12)
Label in Your System
Loan Principal, Highest Balance
Required or Optional
Required
Format
9 digits (zero-padded).
Typical Values
- Installment/mortgage: original loan amount.
- Revolving: highest balance used.
7. Terms Duration (Field 13)
Required or Optional
Optional (but recommended)
Why It Matters
Summarizes repayment length (e.g., how many payments).
8. Terms Frequency (Field 14)
Required or Optional
Optional (but recommended)
Why It Matters
Indicates how often payments are due (monthly, weekly, etc.).
9. Scheduled Monthly Payment Amount (Field 15)
Required or Optional
Usually required if account is in repayment
Why It Matters
The agreed-upon monthly payment for the current period.
10. Account Status Code (Field 17A)
Label in Your System
Delinquency Bucket or Status
Required or Optional
Required
Why It Matters
Tells if the account is current, delinquent, charge-off, etc.
Common Values
11. Payment Rating (Field 17B)
Label in Your System
Final Month's Delinquency
Required or Optional
Required for certain "final" statuses (e.g., 13 or 65).
Why It Matters
Conveys how overdue the account was in the final reported month, if it's now paid/closed.
Common Values
12. Payment History Profile (Field 18)
Label in Your System
24-Month Payment History
Required or Optional
Required
Why It Matters
Shows 24-month performance track record.
Format
24 characters (left to right = oldest to newest)
Examples
000000000000000000000000
= always current for 24 months
000033210000000000000000
= shows some 30–120 day lates
Additional Important Fields
13. Special Comment (Field 19)
Examples: CO = Loan Modified, AS = Account closed due to refinance
Required or Optional: Often optional unless certain conditions apply
Adds narrative about special account conditions or arrangements.
14. Compliance Condition Code (Field 20)
Label: Dispute Condition, Account Close Reason, etc.
Allowed Values (examples):
15. Current Balance (Field 21)
Format: 9 digits (zero-padded)
Required or Optional: Required
Total owed on the account.
16. Amount Past Due (Field 22)
Format: 9 digits
Required or Optional: Optional
The portion that is 30+ days overdue.
17. Date of Account Information (Field 24)
Format: MMDDYYYY
Required or Optional: Required
"As of" date for the reported data.
18. Date of First Delinquency (Field 25)
Label: FCRA Compliance/Date of First Delinquency
Required or Optional: Required if reporting any delinquency or charge-off
Used by CRAs for purge rules (negative data typically stays 7 years from this date).
19. Date Closed (Field 26)
Format: MMDDYYYY
Required or Optional: Optional
If the account is closed or paid off.
20. Date of Last Payment (Field 27)
Format: MMDDYYYY
Required or Optional: Required if a payment was received this period
21. Consumer Name & Identification
CRAs match the correct consumer by name + SSN + DOB.
Required Fields
- First Name: 20 chars
- Middle Name: 20 chars
- Surname: 25 chars
- SSN: 9 digits (if available)
- DOB: MMDDYYYY (if available)
Address Fields
- First Line: 32 chars
- Second Line: 32 chars
- City: 20 chars
- State: 2 chars
- ZIP: 9 digits
- Telephone: 10 digits
22. ECOA Code
Required or Optional: Required
Relationship of the consumer to the account.
Common Values:
23. Consumer Information Indicator (Field 38)
Required or Optional: Optional
For special legal conditions like bankruptcy.
24. Country Code (Field 39)
Format: 2-letter country abbreviation (e.g., US)
Required or Optional: Optional if address is US-based
25. Other Segments or Fields
J1/J2 Segments
If there are multiple consumers on an account, or additional addresses.
K Segments
If you're not the original creditor (e.g., debt buyer or collection agency).
L1 Segments
If the Account Number changes.
N1 Segments
If you wish to report employment information.
Quick Reference Summary
Consumer Identification
Surname, First Name, SSN, DOB, Address, Phone
Account Identification
Account Number, Portfolio Type, Account Type, Date Opened
Payment & Status Fields
Scheduled Payment, Account Status, Current/Delinquent Balances, Payment History, Date of First Delinquency
Closing/Ending Fields
Date Closed, Payment Rating (if Paid), ECOA Code, Additional Comments (Special/Compliance Condition)
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Related Resources
What is Metro2?
Learn about the Metro2 standard and why it matters for credit reporting.
Full Metro2 Specifications
Complete technical specifications and field definitions for Metro2 format.
Base Segment Details
Core account information and payment history field specifications.
Header Record Details
Detailed breakdown of the Metro2 header segment structure and fields.