OpenChainGraph Suite · ART-398 · Credit Reporting · Metro 2

Metro 2 Credit-Reporting Record Lint

Checks a Metro 2 credit-reporting base-segment record against a PUBLIC SUBSET of the format: field presence/format, account-status and payment-rating code validity, and DOFD (date of first delinquency) cross-field consistency per FCRA 15 U.S.C. Sec 1681c(a)(4)-(5), including the 7-year-plus-180-day obsolescence check.

Public Subset FCRA Sec 1681c Record Integrity Family
🔒 All linting runs locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised account data. This schema has no consumer name, SSN, or address fields at all.
⚠ SUBSET NOTE: the CDIA Credit Reporting Resource Guide (CRRG) is a licensed proprietary document. This lint derives its field table and code lists ONLY from public sources (CFPB, CDIA's public Metro 2 overview, and the FCRA statute) and does not implement the full CRRG. J1/J2/K1-K4 segments are checked as presence flags only.
Base segment
Issues
Field status
Execution Hash (SHA-256)







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `lint_metro2_record`. Task: Lint a Metro 2 credit-reporting base-segment record from a PUBLIC SUBSET of the format: field presence/format, account-status and payment-rating code validity, and DOFD (date of first delinquency) cross-field consistency per FCRA 15 U.S.C.
Call it with arguments: {"policy_parameters":{"account_type":"01","date_opened":"2018-03-15","date_reported":"2026-06-01","current_balance":0,"amount_past_due":0,"account_status":"13","payment_rating":"0","has_j1_segment":false,"has_j2_segment":false,"has_k_segment":false}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-398-lint-metro2-record.html#p=v1.H4sIAAAAAAAA_wHkABv_eyJhY2NvdW50X3R5cGUiOiIwMSIsImRhdGVfb3BlbmVkIjoiMjAxOC0wMy0xNSIsImRhdGVfcmVwb3J0ZWQiOiIyMDI2LTA2LTAxIiwiY3VycmVudF9iYWxhbmNlIjowLCJhbW91bnRfcGFzdF9kdWUiOjAsImFjY291bnRfc3RhdHVzIjoiMTMiLCJwYXltZW50X3JhdGluZyI6IjAiLCJoYXNfajFfc2VnbWVudCI6ZmFsc2UsImhhc19qMl9zZWdtZW50IjpmYWxzZSwiaGFzX2tfc2VnbWVudCI6ZmFsc2V98jfx8eQAAAA