Ch 5 Exhibit 9

The video summarizes Exhibit 9 from Chapter 5 of the Metro 2 Credit Reporting Resource Guide, helping readers use Metro 2 to accurately read credit reports, identify errors, and draft dispute letters to consumer reporting agencies (CRAs). Exhibit 9 provides examples of how the "Date of First Delinquency" (Base Segment Field #25, Chapter 4) should be reported and when it triggers deletion, covering scenarios like accounts shifting from negative to current, negative accounts, and public records (e.g., bankruptcies).

This exhibit clarifies the seven-year purge clock; errors such as an incorrect delinquency date, missing data (noted as unreported by Experian and TransUnion), or failure to align with these examples can be disputed, using Metro 2’s standards as evidence in dispute letters to CRAs to ensure accurate reporting and timely removal.