Metro 2®*
Processor / Stacking Service for businesses

Processing/Stacking services are used by companies who are unable to report directly (in-house); to the credit bureaus or companies who want to use our easy credit reporting up-load services.

Before using this service, all customers must:

Your company must obtain a Data Furnishers or Service Agreement and Subscriber Code from the National Credit Bureau(s) to which you will be reporting. You must also use Credit Manager for data accuracy and uploading. For additional information, click on the following links How To Report Credit and

Please Note: Consumers (Individuals) reporting personal loans are not eligible to use this service.

Our prompt credit reporting service, forwards accounts to the credit bureaus, Equifax, Experian, Innovis and TransUnion, on a weekly basis. This provides the quickest updates possible. The Service Bureau also provides extensive Metro 2® compliance checks with error reports and archives the accounts we forward for 12 months.

Processing Fees

Processing Description (United States) Metro 2®
Credit Bureau Reporting (One Credit Bureau) $100.00 *
Credit Bureau Reporting (Two Credit Bureaus) $140.00 *
Credit Bureau Reporting (Three Credit Bureaus) $180.00 *
Credit Bureau Reporting (Four Credit Bureaus) $220.00 *
* Three month, non-refundable deposit is required.

Note: These charges apply to each batch of accounts, not each individual account. Processing fees are billed each time you upload a batch of accounts.

Processing fees are applicable up to 1200 accounts or 2MB. We will accept a larger number of accounts for $8.00 per megabyte after the first 2MB. Note: Prices are subject to change and all services must be pre-paid.

The credit bureaus (Equifax, Experian, Innovis, TransUnion) require monthly updates when reporting through a processor or direct reporting.