How To Report Credit And Become A Data Furnisher
Complete instructions for establishing a data furnisher agreement and reporting consumer or commercial tradelines to Equifax, Experian, TransUnion, Innovis, and Dun & Bradstreet using the Metro 2 format.
Establishing a Data Furnisher Agreement for Credit Reporting
Companies reporting positive tradelines (good credit) or negative tradelines (bad debt) to the credit bureaus must first establish a Data Furnisher or Service Agreement with each bureau they plan to report to, such as Equifax, Experian, Innovis, TransUnion, and Dun & Bradstreet. This agreement is required whether reporting directly (in-house) or through a third-party processor/stacking service, such as The Service Bureau. It is separate from agreements for pulling credit reports.
Credit bureaus also require a minimum number of active accounts (tradelines/customers/debtors) and monthly reporting, even if using a processor or stacking service.
To comply with industry standards, companies must use software that aligns with the Credit Reporting Resource Guide, meets all credit reporting laws and regulations, and accurately generates the Metro 2 format—such as Credit Manager.
Our software supports secure uploads to all bureaus that accept the Metro 2 format via SFTP or HTTPS.
Credit Bureau Contacts
Contact Equifax for reporting requirements and account minimums.
Each request is reviewed individually and Experian determines eligibility based on their independent merit.
Contact TransUnion for reporting requirements and account minimums.
Dun & Bradstreet reviews each request individually and determines eligibility based on proprietary requirements. Participants have access to several incentives for contributing their data.
Notice: Before reporting, please contact each credit bureau to confirm their minimum account requirements for direct (in-house) reporting or reporting through The Service Bureau's processing service. Each credit repository has its own policies regarding the minimum number of accounts accepted.
Procedures for Reporting Your Accounts to the Credit Bureaus
Establish a Data Furnisher or Service Agreement with each credit bureau (Equifax, Experian, TransUnion, Innovis) you plan to report to.
Once your agreement is in place and you meet the bureau's minimum account requirements, lease Credit Manager to accurately report customer, debtor or commercial accounts using the Metro 2 format.
Install Credit Manager on your local computer.
Enter or update accounts using the user-friendly edit screen or electronically import them via the Import function.
Use the built-in “Send” interface to export accounts securely to the credit bureaus or to our third-party processing service via SFTP (secure FTP), HTTPS (secure web browser). Repeat Steps 4–5 for monthly bureau updates.
It's that easy!
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