Read every credit file like an investigator.

Metro2IQ lines up what Equifax, Experian and TransUnion report, field by field, and marks every value that doesn’t match. Then it drafts the letter and tracks the bureau’s 30 days.

Start freeWatch the demoSee how a dispute moves
Credit repair businesses
$99 a month
Your own file
See it free, then $24.99 a month to dispute it

We don’t promise scores, deletions or timelines. You can always dispute with the bureaus yourself, for free.

Midland Credit Management

509910****2 fields differ
RefFieldEquifaxExperianTransUnion
BS-17AAccount statusCollectionCollectionCollection
BS-21Current balance$2,341$2,341$2,598, differs from Equifax and Experian, $2,341
BS-25Date of first delinquency04/11/202104/11/202101/30/2022, differs from Equifax and Experian, 04/11/2021
BS-17AAccount status
All 3 bureausCollection
BS-21Current balance
Equifax$2,341
Experian$2,341
TransUnion$2,598, differs from Equifax and Experian, $2,341
BS-25Date of first delinquency
Equifax04/11/2021
Experian04/11/2021
TransUnion01/30/2022, differs from Equifax and Experian, 04/11/2021

Comparison check

TransUnion’s date keeps this collection on the file about 9 months longer. Under FCRA §605(c) TransUnion would report it until about Jul 2029; Equifax and Experian’s dates end it around Oct 2028.

5 more fields match at all three bureaus.

September 16, 2026

Re: Request for reinvestigation, Midland Credit Management, account 509910****

You report a current balance of $2,598, differs from Equifax and Experian, $2,341 and a date of first delinquency of 01/30/2022, differs from Equifax and Experian, 04/11/2021 for this account. Equifax and Experian report $2,341 and 04/11/2021 for the same account. Under 15 U.S.C. §1681i(a), please reinvestigate, and correct or delete what you cannot verify.

A highlighted value marked not equal means this value doesn’t match what the other bureaus report. That’s the value to check or dispute.

The comparison, and the sentence it becomes. Synthetic example.

Every account starts as 426 characters.

Every month, each lender and collector sends each bureau one fixed-width record per account, in a format called Metro 2. Every position in its base segment has a job.

The date of first delinquency, the one that decides how long a negative item can be reported, sits at positions 190 to 197.

Metro2IQ reads the reports you upload and maps each value back to the Metro 2 field it came from. It never sees a furnisher’s raw file. The record here is a synthetic example.

TransUnion’s copy of the Midland accountBase segment, positions 1 to 426

A 426-character Metro 2 base segment. The mapped fields are decoded in the table that follows.

The mapped fields, decoded
PositionsFieldValue as reported
43–72Consumer account numberBS-750991047218812The app shows it exactly as your report prints it: 509910****
74–75Account typeBS-90CDebt buyer
124–125Account statusBS-17A93Assigned to collections
127–150Payment history profileBS-18GGGGGGGGGGGG…G is collection, every month for 24 months
155–163Current balanceBS-21000002598, differs from Equifax and Experian, 000002341$2,598. Equifax and Experian show $2,341
190–197Date of first delinquencyBS-2501302022, differs from Equifax and Experian, 04112021Jan 30, 2022. Equifax and Experian show Apr 11, 2021
155–163
Current balanceBS-21
000002598, differs from Equifax and Experian, 000002341$2,598. Equifax and Experian show $2,341
190–197
Date of first delinquencyBS-25
01302022, differs from Equifax and Experian, 04112021Jan 30, 2022. Equifax and Experian show Apr 11, 2021
Show the other 4 mapped fields
43–72
Consumer account numberBS-7
50991047218812The app shows it exactly as your report prints it: 509910****
74–75
Account typeBS-9
0CDebt buyer
124–125
Account statusBS-17A
93Assigned to collections
127–150
Payment history profileBS-18
GGGGGGGGGGGG…G is collection, every month for 24 months

When two bureaus disagree, at least one copy needs explaining.

Each bureau keeps its own copy of every account. Where two copies differ, the mismatch is something you can point to in a dispute.

Synthetic examples, one account per row.

BS-17AAccount statusEQuifax13TU, TransUnion97, differs from Equifax, 13
13 means paid or closed. 97 means an unpaid balance reported as a loss. One account can’t be both at once.
BS-18Payment history profileEQuifax000000000000TU, TransUnion000001000000, differs from Equifax, 000000000000. The sixth month is 1, 30 days late.
One character per month, newest first. A single 30-day late that only one bureau shows is worth checking against your statements.
BS-22Amount past dueEQuifax000000000TU, TransUnion000000412, differs from Equifax, 000000000
On an account reported as paid, nothing can be past due. A leftover amount at one bureau keeps it reading as delinquent.
BS-25Date of first delinquencyEQuifax07152020TU, TransUnion03312021, differs from Equifax, 07152020
It marks when the delinquency began. On a charge-off or collection, the seven-year reporting period starts 180 days later. A later date at one bureau can mean the account was re-aged.
BS-20Compliance condition codeEQuifaxXBTU, TransUnion(blank), differs from Equifax, XB, reported blank
XB is the dispute flag. If you disputed with the furnisher and the flag is missing, that’s a §623(a)(3) problem.
Show 2 more fields
BS-25Date of first delinquencyEQuifax07152020TU, TransUnion03312021, differs from Equifax, 07152020
It marks when the delinquency began. On a charge-off or collection, the seven-year reporting period starts 180 days later. A later date at one bureau can mean the account was re-aged.
BS-20Compliance condition codeEQuifaxXBTU, TransUnion(blank), differs from Equifax, XB, reported blank
XB is the dispute flag. If you disputed with the furnisher and the flag is missing, that’s a §623(a)(3) problem.

Your part takes days. The bureau gets 30.

A sample case. The names and numbers are made up; the steps, the fields and the law are real.
  1. Done

    Upload, read field by field

    Upload a report from each bureau, or one tri-bureau file. Every account is lined up across Equifax, Experian and TransUnion, down to the Metro 2 field.

    Accounts where the bureaus differ3 of 18 accounts
    • Midland Credit ManagementCollection2 fields differ
    • Capital OneRevolving1 field differs
    • Portfolio Recovery AssociatesCollection3 fields differ
  2. Done

    The fields that don’t match

    Each disagreement is marked and tied to the field it lives in. On this Capital One card, only Experian reports a late payment, in April 2025.

    Capital One 552433****Payment history BS-18
    202420252026
    EQ
    EX30
    TU
    SONDJFMAMJJASONDJFMAMJJA
    20242025
    EQ
    EX30
    TU
    SONDJFMAMJJA
    20252026
    EQ
    EX
    TU
    SONDJFMAMJJA
    Paid as agreed 30 days late, at one bureau only

    Sep 2024 to Aug 2026, oldest on the left.

  3. Done

    A letter with the law behind it

    The letter names the account, the field and what the other bureaus report, and cites the section it relies on: §611 reinvestigation, §623 furnisher duties, or a §605B identity theft block.

    Letter to ExperianExcerpt

    Re: Capital One, account 552433****

    Your report shows this account 30 days late in April 2025, differs from Equifax and TransUnion, paid as agreed. Equifax and TransUnion both report that month as paid as agreed. Under 15 U.S.C. §1681i(a), please reinvestigate, and correct or delete what you cannot verify.

  4. Done

    Mailed certified

    You print it and mail it. The tracking number and the date you mailed it are saved to the letter.

    Proof of mailing
    Tracking
    9589 0710 5270 0412 3384 61
    Saved to
    The Experian letter for Capital One
  5. Waiting on the bureau

    The clock

    Every letter gets its own 30 days. A bureau that runs past the date shows up as late, by name, on your dashboard.

    Response clockExperian, Capital One letter

    14days left for Experian to answer

    Mailed Sep 18Due Sun, Oct 18

    30 days from the mailing date you entered. FCRA §611(a)(1) counts from the day the bureau receives the letter, so the legal deadline is usually a few days later.

  6. Not yet

    The answer goes on the record

    Whatever the bureau decides is logged against the item, with the date it arrived.

    What Experian can answer
    Removed
    The item comes off the report.
    Corrected
    The field is fixed to match what can be verified.
    Verified as reported
    Not the end of it. Next: ask how they verified it, with a method-of-verification request.

We won’t promise you a result.

Read this before the pricing. It applies to every plan, and to the done-for-you service.
To
Anyone deciding whether to sign up
From
The Metro2IQ team
Re
What this software will and won’t do

A credit score is the bureaus’ arithmetic on whatever lenders and collectors report. Metro2IQ doesn’t touch that arithmetic. It checks whether the reporting underneath it holds up.

So every dispute is tied to something specific in the file: a balance that doesn’t match, a date that moved, a late payment one bureau reports and two don’t. If the information is accurate, the software won’t help you argue that it isn’t.

People use Metro2IQ for the organization, the evidence and the follow-through. The law, the fields and the 30 days are the same for everyone, with or without it.

Pricing

Priced by who’s doing the work: your own file, or your clients’ files. Every plan is month to month.
Plans and prices
PlanPrice a monthIncludesAction
FreeReading your own file$01 report credit a month. Every account where the bureaus disagree, marked field by field.Create a free account
IndividualDisputing your own file$24.993 report credits a month. Letters drafted and every bureau clock tracked, plus §605B identity theft blocks.Create an account
BusinessAgencies with clients$9975 report credits a month. Unlimited clients and staff seats. Your first client case is free.Create a business account
Business ProAgencies reading more reports$199300 report credits a month. Everything in Business, with four times the report credits. Switch to Pro in billing.Start on Business
Rather have someone do it?Done-for-you serviceOur team runs the disputes inside your own Metro2IQ account. Illinois residents only.See the done-for-you service

  • FreeReading your own file

    Price a month: $0

    1 report credit a month. Every account where the bureaus disagree, marked field by field.

    Create a free account

  • IndividualDisputing your own file

    Price a month: $24.99

    3 report credits a month. Letters drafted and every bureau clock tracked, plus §605B identity theft blocks.

    Create an account

  • BusinessAgencies with clients

    Price a month: $99

    75 report credits a month. Unlimited clients and staff seats. Your first client case is free.

    Create a business account

  • Business ProAgencies reading more reports

    Price a month: $199

    300 report credits a month. Everything in Business, with four times the report credits. Switch to Pro in billing.

    Start on Business

  • Rather have someone do it?Done-for-you service

    Our team runs the disputes inside your own Metro2IQ account. Illinois residents only.

    See the done-for-you service

1 credit = 1 report read or 1 evidence check.