How to Report a Debt Extinguished Under State Law in Metro 2
How should a furnisher report an account when a state law has extinguished the underlying debt, so the consumer no longer owes it?…
Category: Report to Credit Bureaus
How to Report Debit Cards and Overdrawn Deposit Accounts in Metro 2
When should a debit card or an overdrawn deposit account be reported to the consumer reporting agencies, and how should these accounts be…
How to Report Flexible Spending Credit Cards in Metro 2
How should a furnisher report a credit card that has no preset spending limit and allows the consumer to spend past the stated…
How to Report Replaced Credit Cards and Account Number Changes in Metro 2 (L1 Segment vs Two Tradelines)
How should a furnisher report a replacement credit card or an account number change, and when should the L1 Segment be used instead…
How to Report Sold Accounts in Metro 2 (Seller and Purchaser Responsibilities With and Without History Conversion)
How should a seller and purchaser each report accounts that have been sold to another company, and how does the reporting differ depending…
How to Report Payment Reversals in Metro 2 Without Breaking DOFD, PHP, or Date of Last Payment
How should a furnisher report a payment reversal, such as a returned payment or reversed transaction, when that reversal affects the Date of…
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