THE METRO 2® STANDARD

THE CODE THAT CONTROLS YOUR FINANCIAL LIFE.

The credit system relies on a standardized data format called Metro 2®. It is a 426-character string of code that tells the bureaus everything about a debt.If a single character in that string is illogical, the entire record ilegallyunverifiable.Most consumers never see this code. We do.

THE 4 FATAL ERRORS

Field 17/21 Conflict

Explanation: "Account Status 'Sold' (64) cannot have a Balance ($1,200). Legally Impossible."

Compliance Condition Code

Explanation: "Failure to mark a disputed account as 'XB' (Consumer Disputes). Willful Non-Compliance."

The 'Zombie' Date

Explanation: "Date of Last Activity (DOLA) re-aged to look recent. FCRA Violation."

Bankruptcy Logic

Explanation: "Discharged debt (Status E) reporting a Past Due amount. Contempt of Court."

BANK-GRADE SECURITY

Encryption:

AES-256 Bit Data Encryption (Military Grade).

Infrastructure:

Compliance:

EI3PA (Experian Independent Third Party Assessment) Standards.

Quick Links

Data Furnishing

Consumer Audit

Wholesale

Contact

Headquarters: Lodi, California

[email protected]

Legal

Terms & Service

Disclaimer: National Data Compliance Group ("NDCG") is a Data Processing and Forensic Audit firm. We are not a law firm, and our employees are not attorneys. We do not provide legal advice. All credit reporting and data furnishing activities are conducted in accordance with the Fair Credit Reporting Act (FCRA) and the Metro 2® credit reporting standards..

CROA Notice: Credit Repair Organizations Act (CROA) disclosures are provided in the Consumer Service Agreement. "Credit Repair" services are strictly limited to the forensic analysis and disputing of inaccurate, unverifiable, or erroneous data. No specific credit score outcome is guaranteed.