Metro 2 Credit Reporting for Fintech & Online Lenders
API-first credit reporting for modern lending platforms. Scale from hundreds to millions of accounts with developer-friendly tools.
Challenges for Fintech Lenders
Legacy Vendor Lock-In
Traditional credit reporting vendors offer outdated technology and inflexible contracts.
Scaling Challenges
Growing from thousands to millions of accounts requires infrastructure that scales.
Development Time
Building Metro 2 capabilities in-house takes engineering resources away from core product.
Compliance Complexity
State licenses, FCRA requirements, and bureau relationships are time-consuming to manage.
How Metro2 Helps
Modern REST API
Developer-friendly API with SDKs for Python, Node.js, and other popular languages.
Unlimited Scale
Architecture designed to handle millions of accounts without performance degradation.
Fast Integration
Go from signup to live credit reporting in days, not months.
Compliance as Code
Validation rules and compliance checks built into the API.
Features for Fintech Lenders
1Webhook Notifications
Real-time notifications for file submissions, acknowledgments, and errors.
2Sandbox Environment
Full-featured test environment for development and QA without affecting production.
3Bulk Operations
Update thousands of accounts in a single API call with batch endpoints.
4Custom Dashboards
White-label reporting dashboards for your operations team.
Who Uses Metro2
Personal Loan Platforms
Online personal loan marketplaces and direct lenders report installment loans.
Small Business Lenders
Fintech SMB lenders reporting term loans and lines of credit.
Embedded Lending
Platforms offering lending as a feature within other products.
Neo-Banks
Digital banks and challenger banks reporting credit products to build customer credit.
Compliance & Regulations
SOC 2 Type II
Enterprise-grade security with annual SOC 2 audits.
State Licensing Support
Guidance on state lending license requirements for credit reporting.
Bureau Relationship Management
We maintain direct relationships with all three credit bureaus.
Frequently Asked Questions
How long does API integration take?
Most fintech teams complete integration in 1-2 weeks. Our SDKs handle Metro 2 formatting, so you just send account data via REST API.
Can I test without affecting real credit reports?
Yes, our sandbox environment generates valid Metro 2 files but doesn't submit to credit bureaus. Use it for development and testing.
Do you support real-time reporting?
We support daily and monthly batch reporting. True real-time reporting isn't supported by credit bureaus, but we submit files as frequently as allowed.
What about dispute automation?
Our API includes dispute management endpoints. Receive bureau disputes via webhook, respond programmatically, and track resolution.
Related Industries
Ship Credit Reporting This Week
Modern API, modern pricing, modern support for fintech teams.