# Metro 2® Credit Reporting Logic Guide

## Overview

This comprehensive guide explains how Peach Finance generates Metro 2® credit reporting files. It is designed for compliance teams, product managers, developers, operations staff, and regulatory examiners who need to understand, validate, or audit credit reporting data.

This document provides:

- Detailed field-level calculation logic sufficient for independent verification
- System parameter documentation for regulatory examination
- Decision trees and pseudocode for each calculated field
- Data source mapping showing exactly where each reported value originates
- Credit Agency configuration including SFTP and encryption setup
- File generation orchestration showing the complete workflow
- Complete transaction type documentation for payment calculations


Whether you are a compliance officer explaining reporting logic to regulators, a developer integrating with Peach APIs, an operations analyst investigating a discrepancy, or an FDIC examiner validating FCRA compliance, this guide provides the complete information you need.

## Guide Sections

- [Key Concepts and Definitions](/credit-reporting/foundations) - Snapshots, Activity Date, Tradelines, DPD, Loan Statuses
- [Loan Type Configuration](/credit-reporting/loan-type-configuration) - Metro 2 configuration parameters, Portfolio Types, Account Types
- [Credit Agency Setup](/credit-reporting/credit-agency-setup) - Bureau connections, SFTP, encryption
- [Account Status Codes](/credit-reporting/account-status) - Status determination algorithm, delinquency scenarios
- [Payment Rating and History](/credit-reporting/payment-rating-history) - Payment Rating calculation, Payment History Profile
- [Special Circumstances](/credit-reporting/special-circumstances) - Special Comment Codes, Compliance Condition Codes, Bankruptcy, Military Protections, Disputes
- [Calculations](/credit-reporting/calculations) - Obligation and balance calculations, transaction types, payment calculations
- [Field Specifications](/credit-reporting/field-specifications) - Complete field-by-field reference for Header, Base Segment, K1/K2/L1 Segments, and Trailer
- [File Generation](/credit-reporting/file-generation) - File naming conventions, SFTP upload, encryption
- [Glossary](/credit-reporting/glossary) - Terms and definitions