High-volume Metro 2 reporting software
Metro 2 reporting that scales with your portfolio
For platforms, servicers, and data furnishers reporting thousands to millions of tradelines: a REST API, automated SFTP to all four bureaus, webhooks, CRA response parsing, and a full audit trail — on flat, volume-based pricing.
Volume-Based Tiers
One flat monthly price based on your tradeline volume. The more you report, the lower your effective per-tradeline cost.
| Monthly Tradelines | Price / Month |
|---|---|
| Up to 10,000 | $49 |
| 10,001 – 25,000 | $99 |
| 25,001 – 50,000 | $149 |
| 50,001 – 100,000 | $199 |
| 100,001 – 150,000 | $249 |
| 150,001 – 200,000 | $299 |
| 200,001 – 250,000 | $349 |
| 250,000+ | $449 |
All tiers include the full feature set below. No setup fees.
Everything Included
Every enterprise tier includes the full Metro 2 platform — no add-ons or hidden costs.
REST API
Full API access for programmatic file generation, validation, and submission
Webhooks
Real-time notifications for file generation, transmission outcomes, disputes, and record changes
Automated SFTP
Scheduled delivery to Equifax, Experian, and TransUnion
RentBureau Mode
Native Experian RentBureau formatting and submission support
Sandbox Environment
Test-mode API access and validation support for integration development and QA
CRA Response Parsing
Automated parsing of bureau response files with error resolution
Full Audit Trail
Complete history of every record change, submission, and bureau response
Unlimited Users
No per-seat charges — add your entire team at no extra cost
Dedicated Support
Priority support with a dedicated account manager for onboarding
Developer Kit
Everything your engineering team needs to integrate Metro 2 reporting into your platform.
Security & Compliance
Credit data is sensitive. The pipeline is built to keep it encrypted, access-controlled, and fully auditable end to end.
Encrypted delivery
PGP-encrypted files delivered over SFTP to each bureau — keys managed per destination.
Full audit trail
Every record change, file generation, submission, and bureau response is logged and queryable.
Role-based access
Granular team roles, scoped API keys, and per-company data isolation.
FCRA-aligned workflows
Dispute handling, accuracy controls, and obsolescence rules built into the pipeline.
Live in days, not months
We handle the Metro 2 complexity so your team can ship. A typical enterprise onboarding:
Map your data
We auto-detect field mappings from your export or API payload.
Validate
Run the full 240-rule CRRG suite and resolve issues before submission.
First file
Generate and deliver a bureau-ready first file; confirm acceptance.
Automate
Schedule monthly delivery and wire up webhooks for outcomes.
Enterprise FAQ
What counts as a tradeline for pricing?⌄
Pricing is based on the number of unique accounts (tradelines) you report each month, not the number of bureaus. Reporting one account to all four bureaus still counts as a single tradeline.
Which bureaus can you deliver to?⌄
Equifax, Experian, TransUnion, and Innovis. Files are generated in the Metro 2 / CRRG format and delivered over automated SFTP on the schedule you set. RentBureau formatting is supported for rent reporting.
Do you offer an API and a sandbox?⌄
Yes. The REST API covers file generation, validation, submission, and status. A test-mode sandbox lets your engineers integrate and QA against the validator before going live.
How fast can we onboard?⌄
Most platforms are live within days once subscriber codes are in place: we map your data, validate against the full CRRG suite, generate a first file, and confirm acceptance with each bureau.
How is the data secured?⌄
Files are PGP-encrypted and delivered over SFTP, access is role-based with scoped API keys, company data is isolated, and every change is captured in an immutable audit trail.
Ready to Get Started?
Tell us about your volume and integration needs. We'll get you set up in days, not months.