Auto Finance

Metro 2 Integration for DealerTrack

Connect DealerTrack, the largest dealer management platform owned by Cox Automotive, to Metro2 for automated credit bureau reporting. DealerTrack processes over 1.5 million deals per month through its Retail360 platform. Metro2 integrates via DealerTrack's REST API and OAuth 2.0 authentication to pull deal records, payment history, F&I contract terms, and co-buyer data, then converts everything to compliant Metro 2 format for submission to Equifax, Experian, and TransUnion. While DealerTrack supports credit bureau connections through 700Credit for pulling consumer credit, it does not natively furnish Metro 2 files—Metro2 fills that gap.

How It Works

Metro2 connects to DealerTrack's REST API using OAuth 2.0 to pull deal records, payment history, and contract terms. The data is mapped to Metro 2 base and J1/J2 segments, validated against CDIA standards, and submitted to Equifax, Experian, and TransUnion on your reporting schedule.

DealerTrack

Metro2

Credit Bureaus

Benefits

Largest DMS Platform

Integrate with the most widely used dealer management system in the industry, processing 1.5M+ deals monthly.

OAuth 2.0 REST API

Secure, modern API connection through Cox Automotive's developer portal with three-legged OAuth authentication.

F&I and Deal Data

Pull complete deal structures including retail installment contracts, F&I products, and eContracting records.

Co-Buyer Reporting

Properly report co-buyers and co-signers using J1/J2 segments with appropriate ECOA codes from DealerTrack deal records.

Data Fields That Sync

Metro2 maps these fields from DealerTrack to Metro 2 format automatically.

Customer demographics
Co-buyer information
Deal structure and contract terms
Loan terms (APR, term length, payment amount)
Payment history and dates
Current balance and payoff amount
Collateral (vehicle VIN, year, make, model)
F&I product details
Account status codes

Get Set Up in 4 Steps

Authorize API Access

Register through Cox Automotive's developer portal and complete the OAuth 2.0 authorization flow to connect your DealerTrack account.

Map Deal Types

Configure how retail installment contracts, leases, and BHPH deals map to Metro 2 account types and status codes.

Test and Validate

Run a test Metro 2 file with sample DealerTrack data, review for accuracy, and resolve any field mapping issues.

Go Live

Enable production reporting on your chosen schedule (monthly or more frequent) to all three credit bureaus.

Frequently Asked Questions

Does this work with DealerTrack F&I and eContracting?

Yes. We pull deal data from DealerTrack's DMS, F&I modules, and eContracting records including the Document Upload API and Deal API.

How are co-buyers reported?

Co-buyers are reported using the J1/J2 segments with appropriate ECOA codes, pulled directly from the co-buyer fields in DealerTrack deal records.

Does DealerTrack natively report to credit bureaus?

DealerTrack supports pulling credit through 700Credit (Equifax, Experian, TransUnion) but does not natively furnish Metro 2 files. Metro2 provides the credit reporting layer.

Are there integration fees from DealerTrack?

DealerTrack may charge fees for third-party API access. Contact your DealerTrack rep to confirm your plan includes API access, then Metro2 handles the credit reporting side.

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Ready to Connect DealerTrack?

Start reporting to credit bureaus from DealerTrack today. Our team will help you get set up quickly.