A Stacking Service or Third-Party Processor—such as The Service Bureau—accepts accounts from multiple businesses that do not meet the minimum reporting volume requirements set by the credit bureaus. These accounts are compiled into a single “stacked” file and submitted to the bureaus on behalf of the participating companies.
Third-party processing and stacking services are ideal for businesses that either cannot report directly to the credit bureaus or prefer the convenience of a streamlined upload process.
Some credit bureaus require reporting through a processor for low-volume filers, while others may allow direct reporting. We recommend contacting each credit bureau to confirm their specific reporting requirements.
How to report credit using a third-party processor/stacking service:For additional information: How To Report Credit
Please Note: Consumers (Individuals) reporting personal loans are not eligible to use this service.
Our prompt credit reporting service submits accounts to the credit bureaus—Equifax, Experian, Innovis, and TransUnion—on a weekly basis, ensuring the fastest possible updates.
Processing Fees
United States | Metro 2® |
Reporting to one credit bureau | $ * |
Reporting to two credit bureaus | $ * |
Reporting to three credit bureaus | $ * |
Reporting to four credit bureaus | $ * |
Note: Processing fees apply per batch of accounts, not per individual account. Fees are charged each time a batch is uploaded.
The standard processing fee covers up to 1,200 accounts or 2MB of data. For larger batches, an additional charge of $ per megabyte applies beyond the first 2MB.
Important: Prices are subject to change, and all services must be prepaid.
Credit bureaus (Equifax, Experian, Innovis, TransUnion) require monthly updates, whether reporting through a processor or directly.