Metro 2 Base Segment

The base segment of the Metro 2 file contains account information, including account status, balance, and payment history. The base segment also helps identify the primary account holder on secured credit accounts with authorized users. The automated calculations follow industry standards while providing flexibility for special business situations.

The total length of the base segment is 426 characters. The following table provides details on the information each represented in each position and how the value is calculated.

Position	Length	Field name	Description	Example
1 – 4	4	`record_descriptor`	Value that equals the length of the record. Four bytes. For the base segment, the record descriptor is 426.	`0426`
5	1	`processing_ind`	Processing indicator. Always `1`.	`1`
6 – 19	14	`time_stamp`	Date and time of the account information update. Format: MMDDYYYYHHMMSS	`03112022091932`
20	1	`correction_ind`	Correction indicator.	`0`
21 – 40	20	`metro2_id`	Identification number configured for the product.	`CREDITCARD01`
41 – 42	2	`cycle_id`	Identifier for the billing or reporting cycle.	`01`
43 – 72	30	`rep_acct_no`	Unique account number associated with the consumer.	`4532123456789012`
73	1	`portfolio_type`	Type of portfolio. Possible values: `C` — Line of credit `I` — Installment `M` — Mortgage, `O` — Open `R` — Revolving	`11`
74 – 75	2	`metro2_type`	Code that identifies the account classification. Possible values: `18` — Individual `2A` — Secured credit card	`2A`
76 – 83	8	`rep_start_date`	Date the credit account was opened. Determined by the original account application date. Format: MMDDYYYY	`03025024`
84 – 92	9	`rep_cr_limit`	Maximum amount of credit available to the customer in whole dollars only. Per regulatory requirement, secured credit reports are always $0.	`000005000`
93 – 101	9	`rep_hi_limit`	Highest balance the customer has ever carried on their account since opening. For example, if the balances were $500, $1200, and $800 across different billing cycles, we report $1200.	`000001200`
102 – 104	3	`rep_terms_duration`	Duration of the credit extended. Possible values. Always `001` (one payment as scheduled).	`001`
105	1	`rep_terms_frequency`	Frequency for payments due. Only `M` (monthly) is valid.	`M`
106 –114	9	`rep_due_amt`	Amount of the scheduled monthly payment due for a period period, in whole dollars.	`000000025`
115 – 123	9	`rep_tpmt_amt`	Total amount the customer paid during the reporting period, rounded to whole dollars.	`000000050`
124 –125	2	`rep_acct_status`	Account status code derived from the `rep_pmt_rating`. Defaults to `11`. Refer to the Rating scale table for a list of possible values and the relationship with `rep_pmt_rating`.	`11`
126	1	`rep_pmt_rating`	Code that identifies the customer's payment status. Refer to the Rating scale table for the values and the relationship between account status and payment ratings.	`0`
127 –150	24	`rep_pmt_hist`	Contains 24 months of consecutive customer payments for the previous reporting periods, with the most recent month first in the leftmost position. Refer to the Rating scale table for a list of possible values and the relationship with `rep_account_status`.	`012345000000000000000000`
151 – 152	2	`rep_sp_comment`	Code to provide additional context relating to `rep_acct_status` or `rep_pmt_rating`. Possible values: `M`—`paid_user`(account is paid and closed at the customer’s request) `CI`—`inactivity` (account is paid and closed by the issuer due to inactivity). Other closure reasons do not set a special comment.
153 – 154	2	`rep_cc_code`	Two-character code for dispute-related and compliance situations. Refer to the Supported compliance condition codes table for a complete list of codes and behaviors.
155 – 163	9	`rep_curr_bal`	Total current outstanding balance on the account as of the statement closing date. Reported as a positive dollar amount, rounded to whole dollars. For example, if it is $13.40, it rounds down to $13. If it is $13.50, it rounds up to $14.	`000000013`
164 – 172	9	`rep_pdue_amt`	Total amount that is past the due date. Reported in whole dollars. If `rep_acct_status` is `11`, then this field must be `000000000`.	`000000000`
173 – 181	9	`rep_charg_off`	Original charge-off amount, in whole dollars..	`000000000`
182 – 189	8	`rep_end_date`	Date for all the account information being reported in the Metro 2 file. This is set to one day after the billing statement close date. Derived from the date in the header segment.	`000000000`
190 – 197	8	`rep_deliq_date`	Date when the customer first became 30 or more days past due. If the account is not delinquent, this field contains all zeros (`00000000`). Format: MMDDYYYY. Note: Date clears when the customer brings the account current.	`04152024`
198 – 205	8	`rep_close_date`	Date the account was closed to further purchases, paid in full. Format: MMDDYYYY.	`000000000`
206 – 213	8	`rep_lpmt_date`	Date the most recent payment was received, whether full or partial payment. Format: MMDDYYYY.	`03102022`
214	1	`rep_int_type_ind`	Interest type. Possible values: `F`— Fixed rate `V`— Variable	`F`
215 – 231	17	`reserved`	Reserved. Often blank.
232 –256	25	`lname`	Account holder's last name.	`SMITH`
257 – 276	20	`fname`	Account holder's last name.	`JOHN`
277 – 296	20	`mname`*	Account holder's middle name.
297	1	`gen`*	Generation code (Jr, Sr, II, etc.).
298 –306	9	`ssn`	U.S. Social Security number (SSN) of the primary account holder. Required if `dob` is not reported.	`xxxxxxxxx`
307 – 314	8	`dob`	Date of birth of the primary account holder. Required if `ssn` is not reported. Format: MMDDYYYY..	`xxxxxxxx`
315 – 324	10	`home_phone`	Telephone number of the primary account holder. Format: Area code + 7 digits	`4151234567`
325	1	`rep_ecoa_code`	Per the Equal Credit Opportunity Act, this code indicates the account holder's relationship to the account. Possible values: `1`— Individual `2` Secured credit	`2`
326 – 327	2	`rep_cons_info_ind`	Indicates a special condition of the account.
328 –329	2	`rep_country_code`	Account holder's country. ISO 3166 format.	`US`
330 – 361	32	`addr1`	Account holder's first address line. Cannot be a P.O. box.	`123 MAIN STREET APT 4B`
362 –393	32	`addr2`	Account holder's second address line.
394 – 413	20	`city`	Account holder's city.	`SPRINGFIELD`
414 – 415	2	`state`	Account holder's state or province.	`IL`
416 – 424	9	`zip`	Account holder's postal code (ZIP code).	`62701`
425	1	`rep_addr_ind`*	One-character code for address type (e.g. primary, business, military).
426	1	`rep_res_code`*	One-character residence code.

*These fields are always blank and cannot be populated. All these fields are optional per Metro2 format specifications and have no impact on credit bureau reporting or consumer credit scores.

Full example

042610311202209193201CREDITCARD01 014532123456789012 O1 030120240000050000000050000011M000000025000000050110BBBBBBBBBBBBBBBBBBBBBBB 00000000000000000000000000000021520240000012500000000000000000F SMITH JOHN xxxxxxxxx5551234567 US123 MAIN STREET APT 4B SPRINGFIELD IL62701

Rating scale

Days past due	Payment rating (`rep_pmt_rating`)	Account status (`rep_acct_status`)	Description
0 – 29 days	0	11	Account is active and in good standing (even if payment is overdue)
30 – 59 days	1	71	30 – 59 days late
60 – 89 days	2	78	60 – 89 days late
90 – 119 days	3	80	90 – 119 days late
120 – 149 days	4	82	120 – 149 days late
150 – 179 days	5	83	150 – 179 days late
180+ days	6	84	180+ days late
Special	G	93	Account in collections
Special	L	97	Account charged off

A payment rating is based on how many days past the due date an account becomes delinquent. If an account is fewer than 30 days past due, it is considered current and receives a payment rating(rep_pmt_rating) of 0 with an account status(rep_acct_status) of 11. Once it reaches 30 days past due, the account becomes delinquent and the payment rating increases to 1 with an account status of 71, continuing to escalate in 30-day increments until the account is brought current.

Supported compliance condition codes

The following table shows the dispute-specific codes in a Metro 2 file when a customer files a dispute with credit bureaus under Fair Credit Reporting Act (FCRA) or Fair Credit Billing Act (FCBA).

Code	Description	Relevant law	Follow-up action
XA	Account closed at consumer's request	–	Stops reporting immediately
XB	Dispute in progress, investigation underway	FCRA	Reports as-is, no auto-transition
XC	Dispute completed, consumer disagrees with result	FCRA	Reports once, then transitions to XR
XD	Account closed at consumer's request, investigation underway	FCRA	Reports as-is, no auto-transition
XE	Account closed at consumer's request, consumer disagrees with result	FCRA or FCBA	Stops reporting immediately
XF	Account in dispute, investigation underway	FCBA	Reports as-is, no auto-transition
XG	Dispute completed, consumer disagrees with result	FCBA	Reports once, then transitions to XR
XH	Account previously in dispute, investigation complete	–	Reports once, then transitions to XR
XJ	Account closed at consumer's request, investigation underway	FCBA	Reports as-is, no auto-transition
XR	Removes most recent compliance condition code	–	Reports once, then removes the code