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:

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. The Service Bureau also provides extensive Metro 2® compliance checks with error reports and archives the accounts we forward for 12 months.

Processing Fees

United States Metro 2®
Reporting to one credit bureau $100.00 *
Reporting to two credit bureaus $140.00 *
Reporting to three credit bureaus $180.00 *
Reporting to 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.