Metro 2®* Processor / Stacking Service

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

How to report credit using a third-party processor/stacking service:
  1. Obtain a Data Furnishers or Service Agreement & Subscriber code from each Credit Bureau (Equifax, Experian, Innovis, TransUnion) to which you will be using the third-party processing/stacking service.
  2. Meet the account reporting minimums for each bureau for processing/stacking services.
  3. All accounts must meet the standards defined in the Metro 2 Credit Reporting Resource Guide®*.
  4. Use Credit Manager for data accuracy which complies with the Metro 2 format standards and for easy uploads to our processing service.

For additional information: How To Report Credit

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

Third Party Processing Data Flow
Third-party processing service data flow using Credit Manager

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.

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 $ *
* 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 $ 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.