Metro 2® Credit Reporting Software
Industry-leading Metro 2 compliant credit reporting software for accurate and secure reporting of consumer, debtor, and commercial tradelines to Equifax, Experian, TransUnion, Innovis, Dun & Bradstreet, and more.
Built for Every Data Furnisher
Industry-leading Metro 2 software for data furnishers, lenders, and fintechs of every size. Accurate, compliant tradeline reporting to Equifax, Experian, TransUnion, Innovis, Dun & Bradstreet, and more.
Metro 2 Compliant, Built to Scale
Built to the Metro 2 format with hundreds of automated compliance checks for FCRA-aligned reporting. A global platform supporting some of the largest data furnishers in the U.S. and Canada at massive scale.
Industry Recognition
Credit Manager is named as one of only two off-the-shelf software solutions in Equifax's official Data Furnisher Guidebook.
Features and Benefits
Compliance, Accuracy and Up-to-Date Standards
- ✓Adheres to the Metro 2 Credit Reporting Resource Guide with hundreds of built-in compliance checks
- ✓Supports the latest credit reporting laws and the full Metro 2 426 specifications
Secure & Modern Data Storage
- ✓AES-256 encrypted database
- ✓Encrypted repository updates via SFTP or HTTPS
Robust, Feature-Rich & Cost-Effective
- ✓Offers more capabilities than comparably priced Metro 2 credit reporting software.
- ✓The only Metro 2 credit reporting software that supports Experian's Member Identifier File (MIF) for rental property reporting.
User-Friendly & Reliable
- ✓No special training or programming required.
Enhanced Account Management
- ✓Includes notes/comments on all accounts for better record-keeping.
Comprehensive Support
- ✓Extensive online help system
- ✓Telephone and Email support
Flexible & Scalable
- ✓Manual entry or data import from common file types
- ✓Advanced query options and batch edits
- ✓Network-compatible with true multi-user functionality
- ✓Supports multiple companies
Additional Benefits
- ✓Backup & Restore functionality
- ✓U.S. & Canadian credit reporting support
- ✓Free automated software updates
- ✓Expanded co-maker/co-signer reporting (up to six in Pro, unlimited in Elite)
Trusted by Companies in Every Industry
Credit Manager is designed for data furnishers, lenders, and fintech organizations across all industries, ensuring accurate and compliant reporting to major credit bureaus.
Trusted by Companies in Every Industry
Credit Manager is designed for data furnishers, lenders, and fintech organizations across all industries, ensuring accurate and compliant reporting to major credit bureaus.
How Credit Manager Fits Your Workflow
Bring in data from your existing systems or use the intuitive edit screen.
Hundreds of automated compliance checks ensure accuracy before submission.
Send Metro 2 files directly via SFTP/HTTPS or through our processing service.
Why it matters
Seamless importing saves hours of manual data entry and reduces errors. Credit Manager supports the most common export formats from other systems, making migration or regular updates fast and reliable.
File Import
The Import feature in Credit Manager is the ideal solution for customers managing accounts in a separate software system. Most software applications allow exporting company files into common file formats. These exported files can then be used to add or update accounts seamlessly through Credit Manager's Import function.
The Credit Manager's Import function supports the following file types:
Security
Company File Encryption
Credit Manager secures your company file with AES-256 encryption, ensuring safe storage on your local machine or network. Our Metro 2® software solution adheres to data storage security regulations for maximum protection.
Customer-Level Encryption
Beyond company file-level protection, Credit Manager encrypts data at the individual customer-record level, giving data furnishers a stronger security posture for the consumer information they report.
User Accounts
Credit Manager provides user accounts for secure software access. Each user must have a login and password to use the licensed software.
- ✓Pro Version: Includes one Admin User Account.
- ✓Elite Version: Supports unlimited User Accounts per Software License.
Admin accounts have full access to all software features and can manage permissions for other users. This includes controlling access to key functions such as creating, opening, and purging company files, backing up and restoring data, uploading, and importing. User accounts enhance security by restricting access to authorized users and ensuring controlled use of software features.
Log Files & Audit History
Credit Manager features comprehensive log files and per-record Audit History to track all activity, edits, imports, and uploads for full accountability and compliance.
SFTP / HTTPS Secure File Transfer
Credit Manager securely uploads Metro 2 format files via SFTP or standard HTTPS web portals provided by the credit bureaus.
View our Security Policy for more details.
Free 30 Day Software Demo
We are confident in our credit reporting software, which is why we offer a risk-free 30 day demo — so you can experience firsthand why so many customers trust Credit Manager for easy, accurate reporting. As one of the few credit reporting companies that let you "try before you buy," we believe our software speaks for itself!
Eligible non-profit organizations receive one year of free service. Offer applies to new customers only.