The credit reporting tools let you modify how a loan is reported to credit bureaus. Use Delete tradeline to permanently remove the loan's reporting history from a bureau, or Special fields to override specific Metro 2 values in the next reporting window. Both tools are only available for loans that are actively reported to at least one credit reporting agency.
Availability: All clients Required permissions: credit.agency:read AND credit.reporting.status:list AND credit.reporting.status:update (all three required) Loan status: active or chargedOff Loan types: All
- These tools are hidden if the loan is not reported to any credit bureaus. If you do not see them in the Loan Options menu, the loan has no active credit reporting.
- Deleting a tradeline is permanent — the entire reporting history is removed as if the account was never reported, and the account cannot be reported to that agency again.
- Special field overrides are temporary. The system resets the values to empty after they are used in the next credit reporting run.
Deleting a tradeline removes the loan's entire reporting history from a specific credit bureau.
- From the agent-view Borrower Portal, open the loan and select Loan options > Credit reporting - delete tradeline.
- The form displays a list of credit bureaus the loan is reported to, along with the reporting start date for each. Select the agency to delete from.
- Select a Delete reason from the dropdown.
- Optionally enter additional context in Delete reason details.
- Optionally select an Account status code from the dropdown. This overrides the Metro 2 account status code sent with the deletion.
- If your company requires a Case ID, select a case from the Case ID dropdown. See Global behaviors — Case ID requirement.
- Select Delete reporting.
The tradeline is removed from the selected agency. The deleted agency appears as disabled in the agency list, confirming the deletion.
| Field | Description | Required | Values / Format |
|---|---|---|---|
| Agency | The credit bureau to delete the tradeline from. Displays all agencies the loan is reported to. | Yes | Radio group |
| Delete reason | The reason for removing the tradeline. | Yes | Select: Legal, FCRA dispute, Loan data corrupted, Fraudulent, Other |
| Delete reason details | Additional context about the deletion. | No | Text area |
| Account status code | A Metro 2 status code to include with the deletion request. | No | Select (clearable): 13, 61, 62, 63, 93, 95, 96, 97, DA, DF |
| Case ID | The case associated with this action. | Conditional | Select from open cases. Required when forceCaseIdOnAgentActions is enabled. |
Special fields override specific Metro 2 values in the upcoming credit reporting window. These overrides are one-time — the system resets them to empty after the next reporting run.
- From the agent-view Borrower Portal, open the loan and select Loan options > Credit reporting - special fields.
- Set any combination of the three fields:
- Special comment base segment — A Metro 2 special comment code.
- ECOA code base segment — An Equal Credit Opportunity Act code indicating the account relationship type.
- Compliance condition code — A code indicating a special compliance condition.
- Select Set special fields.
The overrides apply to the next credit reporting run and then reset automatically.
| Field | Description | Required | Values / Format |
|---|---|---|---|
| Special comment base segment | Overrides the special comment code in the Metro 2 Base Segment for the next reporting run. | No | Select (clearable): 50+ Metro 2 codes (B, C, H, I, M, O, S, V, AB, AC, AH, and others) |
| ECOA code base segment | Overrides the Equal Credit Opportunity Act code in the Base Segment. Indicates the type of account relationship. | No | Select (clearable): 1, 2, 3, 5, 7, T, X, W, Z |
| Compliance condition code | Overrides the compliance condition code in the Base Segment. | No | Select (clearable): XA, XB, XC, XD, XE, XF, XG, XH, XJ, XR |