That one-digit difference in your address might be setting off alarms inside the credit bureaus.

Not all creditors are treated equally. Some get quietly sidelined—and that can work in your favor.

What happens when you go radio silent? More than you think—and it could work in your favor.

When account status codes don’t match what’s really going on, the whole tradeline can be challenged.

Metro 2 reporting requires consistency in how payment status is reported—but most reports are full of contradictions. One common violation? The Payment Rating field doesn’t match the Account Status field.

The Date of First Delinquency (DoFD) is the heartbeat of negative account reporting. It determines when an account should age off your report. But if that date gets changed—intentionally or not—it resets the clock. That’s illegal.

Ever seen a report where the account status says “Paid” or “Current,” but the payment history shows late payments or charged-off months? That’s not just confusing—it’s a Metro 2 violation.

Some creditors quietly update the “Date of Last Activity” (DLA) without you ever making a move. Why? To keep the account reporting longer than legally allowed.

When an account shows months or even years of blank payment history, that’s not just laziness—it’s a Metro 2 violation. Incomplete reporting can distort your credit profile and damage your score unfairly.

If the “Date Last Updated” field on your credit report doesn’t match any actual activity on the account, that’s not just a typo—it’s a Metro 2 violation that can lead to deletion.