Import your report
Upload a supported report to organize accounts and reported data.
Metro 2 · FCRA
Review how your accounts are reported
DN Credit Lab helps identify potential inconsistencies in credit data and prepare dispute drafts for your review. Metro 2 is a reporting format; dispute rights come from laws such as the FCRA.
Letters with field-by-field evidence
Every letter includes a table with the exact data the furnisher reported under the Metro 2 format, highlighting the inconsistencies detected. The bureau receives a clear, verifiable document ready for investigation.
- Reported vs. expected field comparison
- Inconsistencies highlighted automatically
- FCRA references in every request
- Customizable table designs and letter styles
A clear workflow with human review
The tool organizes and assists; it does not independently determine that a legal violation exists.
Review inconsistencies
Compare fields, dates, balances and statuses for signals that need review.
Prepare a draft
Generate an editable letter based on facts you select; you confirm its accuracy.
Track progress
Record mailings, responses and applicable dates without assuming an outcome.
Important information
Metro 2 is an industry standard, not a law or a deletion guarantee. Outcomes depend on factual accuracy, each organization’s investigation and the individual file. DN Credit Lab provides educational and organizational software, not legal advice.