The bureaus ask that you report your entire portfolio each month in the Metro 2® format. By reporting the minimum number of accounts required the first month, subsequent months will automatically meet that minimum.

In this example, the reporting bureau requires 500 accounts:

• First Months Reporting - 500 accounts (report your entire portfolio up to 6.5 years old)
• Second Month Reporting - 500 accounts (from the first month) + 50 new accounts totaling 550 accounts
• Third Month Reporting - 550 accounts + 35 new accounts totaling 585 accounts

Note: It is not required to have 500 new accounts each month.

For Collection Agencies, report your entire portfolio the first month. Subsequent months, report your entire portfolio or optionally, report only new accounts and updates.