Ch 5 Exhibits 12 - 16

The video summarizes Exhibits 12 through 16 from Chapter 5 of the Metro 2 Credit Reporting Resource Guide, assisting readers in using Metro 2 to accurately read credit reports, identify errors, and draft dispute letters to consumer reporting agencies (CRAs). These exhibits are less commonly used in daily practice compared to earlier ones. Exhibit 12 lists generic country codes for consumer residences (Base/J1/J2 Segments, Chapter 4), Exhibit 13 outlines general address reporting rules, Exhibit 14 catalogs states and territories, Exhibit 15 provides a data conversion checklist, and Exhibit 16 shows how data is packed and transmitted from furnishers to CRAs.

While less frequent, these exhibits support accuracy checks—e.g., an incorrect country code (Exhibit 12), malformed address (Exhibit 13), or missing state (Exhibit 14) can be disputed if misreported. Such errors, though minor, deviate from Metro 2’s standard, offering grounds for dispute letters to CRAs to ensure precise reporting, especially when linked to consumer or account data.