API Reference

API Overview

The Metro 2® API allows authorized data furnishers to submit consumer credit account information electronically for conversion into the Metro 2® reporting format. Submitted data will be validated against Metro 2® standards and processed for transmission to consumer reporting agencies (CRAs).

Our API uses a modern RESTful design with JSON payloads, making it easy to integrate with any programming language or platform.

Base URL

https://api.metro2reporting.com

Authentication

All API requests require authentication using API keys. Include your API key in the Authorization header orx-api-key:

Authorization: Bearer YOUR_API_KEY

429s are returned when rate limits are exceeded (per key, per minute).

Request Format

All requests should be made using HTTPS with a Content-Type of application/json.

Content-Type: application/json