Auto Finance

Metro 2 Integration for RouteOne

Integrate RouteOne, one of the two major auto finance networks connecting dealers to lenders, with Metro2 for credit bureau reporting. RouteOne provides a REST API built on a microservices architecture with OAuth 2.0 authentication, offering endpoints for eContracting, contract creation and validation, document upload, identity verification (IDV), and OFAC compliance checks. RouteOne integrates with over 200 Dealer Service Providers (DSPs) and provides direct access to credit reports from Equifax, Experian, TransUnion, 700Credit, and CoreLogic Credco for pulling consumer credit. However, RouteOne focuses on the credit pull and deal origination side—it does not natively furnish Metro 2 files to credit bureaus. Metro2 fills that gap by taking deal and contract data from RouteOne and converting it to compliant Metro 2 format for reporting.

How It Works

Metro2 connects to RouteOne's REST API using OAuth 2.0 to pull approved deal data, contract terms, and payment information. The data is mapped to Metro 2 base and J-segments, validated against CDIA standards, and submitted to Equifax, Experian, and TransUnion on your reporting schedule.

RouteOne

Metro2

Credit Bureaus

Benefits

Major Finance Network

Connect to RouteOne's dealer-lender network with 200+ DSP integrations for comprehensive deal data access.

REST API with OAuth 2.0

Modern microservices API architecture with secure OAuth 2.0 authentication for reliable data exchange.

eContracting Data

Pull contract creation, validation, and document data directly from RouteOne's eContracting platform.

Multi-Lender Reporting

Report credit data across multiple finance sources and lenders connected through RouteOne.

Data Fields That Sync

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

Buyer and co-buyer information
Deal terms and contract structure
Finance source and lender details
Payment schedule and amounts
Contract validation data
Vehicle and collateral information (VIN, year, make, model)
Identity verification results
OFAC compliance data

Get Set Up in 4 Steps

Apply for API Access

Contact RouteOne's strategic partnerships team (strategicpartners@routeone.com) to establish API access and obtain OAuth 2.0 credentials.

Configure Data Mapping

Map RouteOne deal types, contract terms, and finance sources to Metro 2 account types, status codes, and payment fields.

Test and Validate

Generate test Metro 2 files from RouteOne data, validate accuracy against original deal records, and resolve any mapping issues.

Go Live

Enable production credit bureau reporting on your chosen schedule to all three bureaus.

Frequently Asked Questions

Does this report for the dealer or the lender?

Metro2 reports under your furnisher ID. Both dealers and lenders can use this integration to report credit data sourced from RouteOne.

Does RouteOne already report to credit bureaus?

RouteOne provides access to credit bureaus for pulling consumer credit reports (Equifax, Experian, TransUnion, 700Credit, CoreLogic Credco), but it does not furnish Metro 2 tradeline data. Metro2 handles the reporting side.

How do I get API access to RouteOne?

Contact RouteOne's strategic partnerships team at strategicpartners@routeone.com. They manage third-party API integrations and DSP onboarding.

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AutoMaster

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Frazer DMS

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Automate Metro 2 credit reporting for independent and BHPH dealers using Frazer DMS.

Ready to Connect RouteOne?

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