The Furnisher Launchpad
From “what is Metro 2” to your first accepted submission
Reporting to the bureaus for the first time is mostly about not getting tripped up. The Launchpad is the path we walk every new furnisher through — free tools first, a concierge first file when you're ready, then automated monthly delivery.
Inspect any Metro 2 file
Drop a .dat or CSV into the free in-browser viewer. It decodes every segment and runs a structural validation pass — nothing is uploaded.
Check your readiness
Take the 2-minute furnisher readiness assessment and get a personalized action plan for getting to a clean first submission.
Prep your subscriber codes
Walk the checklist for applying to Equifax, Experian, TransUnion, and Innovis — business verification, site inspection, permissible purpose, and timelines.
Get your first file built for you
Send us one export from your servicing, PM, or collection software. A specialist maps your fields, validates against the full CRRG suite, and hands back a bureau-ready first file.
Map your data with a template
Start from a vertical-specific CSV mapping template so your export lines up with the Metro 2 / CRRG fields the bureaus expect.
Submit every month, automatically
Schedule validated monthly files and deliver them over automated SFTP to all four bureaus — with a full audit trail of every change.
Parse responses & handle disputes
Automatically parse bureau response files, resolve rejects, and manage e-OSCAR / ACDV disputes from one workflow.
Start from your vertical
Each vertical has a tailored checklist, mapping template, and first-file path.
Property Management & Rent Reporting
Turn on-time (and delinquent) rent payments into bureau-ready Metro 2 tradelines. Send us a ledger export from Buildium, AppFolio, Yardi, or any system, and we hand back a validated, CRRG-compliant first file ready for Equifax, Experian, TransUnion, and Innovis.
Mission LendingCDFIs & Nonprofit Lenders
Reporting every on-time payment to Equifax, Experian, TransUnion, and Innovis is part of your mission. We turn your loan-system export into a validated, bureau-ready Metro 2 file, so your borrowers build credit and you never have to staff a data engineer to do it.
Collections & LendingDebt Collectors & Small Lenders
Send us your collection-platform export. We map it, validate it against the CDIA CRRG, fix what's wrong, and hand back a bureau-ready first file you can deliver to Equifax, Experian, TransUnion, and Innovis.
Ready when you are
Most first-time furnishers go live within a couple of weeks of getting their subscriber codes. Start free, or have us build the first file with you.