Metro 2 dispute analysis for consumers and credit repair teams

Find reporting errors before
the bureaus reject your dispute.

Credit Dawg reviews raw credit data, flags Metro 2 formatting contradictions, and drafts tailored dispute language you can review before sending anything to a bureau or furnisher.

Book a Metro 2 Review

Need details first? Read the handbooks, view the B2B API section, or review company trust details.

Rule-based audit logic Audit findings come from checking Metro 2 field relationships and contradictions in the report data you provide.
Specific dispute drafting The system drafts tailored language from detected data issues instead of reusing one generic dispute template.
No guaranteed deletions Results depend on the bureau file, furnisher response, and your supporting records, so outcomes are reviewed case by case.

Measurement note: demo audit examples are based on Metro 2 consistency checks in the sample engine and illustrate how issues are surfaced. They do not guarantee bureau action, deletion, or legal outcomes.

Why standard credit repair fails.

Standard factual disputes ("not my account") are auto-rejected by the e-OSCAR system. We focus on data-integrity disputes based on strict CDIA Metro 2 formatting rules.

Algorithmic Audits

Our Python engine parses raw credit JSON and surfaces contradictions (for example, Status 97 with an Amount Past Due) so you can build a more specific dispute record.

Anti-OCR Dynamic Letters

We don't rely on one static PDF template. The system drafts dispute language from the detected issues so the letter can be reviewed and adapted to the record in front of you.

Consumer Education

We decode FCRA regulations and CDIA standards into plain-English. Understand the exact laws we use to protect you, and learn how to maintain flawless credit long-term.

Free educational handbooks

FCRA-grounded guides — no guaranteed outcomes, no legal advice. Download HTML or PDF.

Consumer's Guide to Credit Bureau Deletions

FCRA § 611 disputes, Metro 2 accuracy, and e-OSCAR mechanics for consumers.

Read handbook →

CRO Blueprint: Defeating e-OSCAR OCR

B2B field-targeting matrix, dynamic letters, and § 623 furnisher obligations.

Read handbook →
Enterprise API

Give your credit repair team faster Metro 2 reviews.

If your team spends hours reviewing reports by hand, the Credit Dawg Metro 2 API can flag contradictions and draft dispute language from the raw bureau data you send. Operators still review every case before use.

View API Documentation
// POST /api/v1/metro2/audit
{
"bureau": "Equifax",
"status_code": "97",
"amount_past_due": 500
}
// RESPONSE: 200 OK
"fatal_violation": true,
"generated_letter": "I am disputing..."
Company Trust

Need company background before you engage?

Credit Dawg is an Outset Solutions workflow for Metro 2 dispute analysis and education. If you need direct contact details or company context, use the main trust page or email the operator.

Next Step Bring a report, then decide if the workflow fits.

A short review can show whether your file has obvious Metro 2 inconsistencies and whether the consumer or B2B path makes sense next.

Book a Review ↗ See Company Trust ↗