Frequently Asked Questions

Welcome to the Frequently Asked Questions page. Select a question from the list below. If you do not find an answer to your question, please contact us for further help: 801-334-0051.


  • Do I need to be become a member, in order to report to the credit bureaus?
  • How does a company report consumer credit?
  • We do not meet the minimum number of accounts to report to the credit bureaus. What are our options?
  • What should a company look for in a Metro 2® credit reporting software package?
  • What are the main differences between Pro and Elite versions of Credit Manager?
  • Can I import my accounts from another file into Credit Manager?
  • Does Credit Manager support all reporting codes and segments?
  • Is Credit Manager, Metro 2® software easy to install and use?
  • How long does it take the Credit Repositories to update accounts after submission?
  • What is a Stacking Service or Third Party Processor?
  • What is the Metro 2® Format?
  • What is the difference between Metro 2®, 366 format and Metro 2®, 426 format?
  • If I report trade lines to one CRA, do my trade lines show on the other CRA's?
  • Is the Credit Managers Metro 2® file accepted and approved by all credit bureaus?
  • I have a Metro 1 formatted file and want to convert it to Metro 2® formatted file. Can Credit Manager accomplish this?
  • What is your policy for software upgrades?
  • How does our company purchase the Credit Manager software?
  • What are the benefits of reporting credit?