Most credit repair companies focus on basic disputes: "This isn't mine" or "I don't recognize this." But there's a more powerful strategy that most people never discover: Metro-2® compliance violations.
What is Metro-2®?
Metro-2® is the technical standard that creditors must follow when reporting your account information to credit bureaus. It specifies exactly how data must be formatted, what codes to use, and what information is required.
Common Metro-2® Violations
- Incorrect Account Type Codes: Using wrong codes for account types (revolving vs. installment)
- Invalid Payment Ratings: Using payment status codes that don't match actual payment history
- Missing Required Fields: Omitting mandatory data fields like account open date
- Balance Reporting Errors: Reporting balances that exceed credit limits
- Date Format Violations: Using incorrect date formats or impossible dates
Why Metro-2® Violations Matter
When you dispute based on Metro-2® violations, you're citing specific technical non-compliance with federal reporting standards. This gives you much stronger legal ground than subjective disputes.
How OriumAI Finds These Violations
Our AI automatically scans your credit report for 20+ types of Metro-2® violations that would take hours to find manually. We then generate dispute letters that cite the specific violation codes and FCRA sections that require removal.
Real Results
Our users see significantly higher success rates when disputing Metro-2® violations compared to traditional dispute methods. The technical nature of these violations makes them harder for creditors to verify, often leading to removal.
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