Developer Center›Getting Started

    Getting Started with Metro 2® 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 is validated against Metro 2® standards and processed for transmission to consumer reporting agencies (CRAs).

    Metro 2® is the industry standard format for reporting accurate, complete, and timely credit information to the major consumer reporting agencies.

    Authentication

    All API requests require authentication using API keys. To obtain an API key:

    1. Log in to your account dashboard
    2. Navigate to API Settings
    3. Create a new API key, specifying the appropriate permissions
    4. Store your API key securely - it will only be displayed once

    Include your API key in all requests as an Authorization header:

    Authorization: Bearer YOUR_API_KEY

    Security Notice

    Never expose your API key in client-side code or public repositories. All API requests should be made server-side.

    Base URL

    All API requests should be made to the following base URL:

    https://api.metro2reporting.com

    For testing and development, use our sandbox environment:

    https://sandbox-api.metro2reporting.com

    Rate Limiting

    Per-key limits currently enforced:

    • Submit data: 300 requests / minute
    • File upload: 60 requests / minute
    • File process: 120 requests / minute
    • API key management: 30 requests / minute (superadmin)

    A 429 status is returned when exceeded.

    Next Steps

    Now that you understand the basics, you can: