e-CreditTime
Metro 2® Cloud Credit Reporting Software
e-CreditTime is the first cloud Metro 2® Credit Reporting Software in the industry that allows your business to report consumer credit accounts to Equifax, Experian, Innovis, and TransUnion in the METRO 2 FORMAT® from 1999–2024.
e-CreditTime's METRO 2 FORMAT® includes all changes made within the last 20+ years of credit reporting, including all current Federal Regulations and Fair Credit Reporting Act rules.
No Installation! Access from Anywhere!
e-CreditTime is a cloud solution — no installation required and can be accessed from anywhere using a laptop or desktop computer with internet connection. Unlimited email support granted to all licensed registered users. We provide a friendly online user manual and helpful hints to get you up and running in minutes at no cost.
Highly Configurable
No two businesses are exactly alike, that is why e-CreditTime is highly customizable to your needs. Our software allows each customer to enter and report data to the credit bureaus specific to their business and industry. e-CreditTime also provides an option to backup your data to your laptop or desktop in an encrypted format.
Report Accurate Data and Lower Your Liability
Our extensive data quality audit does over 1,000,000 validations for every 1,000 accounts. Field validation checks ensure Fair Credit Reporting Act requirements and METRO 2® credit bureau requirements at the initial time of data entry — ensuring your credit reporting is accurate and compliant the first time.
Secure Backup
You have an option to take a backup of your data anytime and keep it in an encrypted format in a safe location. This valuable feature gives you peace of mind that you always have access to your data.
Other Important Features
- ✓Unlimited email support for all licensed registered users
- ✓Allows viewing all customers and account information — sorts by any field with one click
- ✓Unparalleled reporting to all four major bureaus — Equifax, Experian, Innovis, TransUnion
- ✓More automatic validations than any other credit reporting software
- ✓Configurable number of co-signers per account
- ✓Allows multiple companies to be reported — perfect for Credit Reporting Companies
- ✓Quick on-boarding within days, not weeks
- ✓Supports all status codes, type codes, comment codes, 24 prior month history, and all appended segments
- ✓Simple backup and restore procedures
- ✓Supports Equifax eReporting, Experian and TransUnion Connect Enterprises, and Innovis FTP transfer
- ✓Recommended and Approved by all credit bureaus
System Requirements
- • Any web browser (Microsoft Edge, Google Chrome, Safari, Firefox)
- • Internet connection
- • Recommended: Flash drive for data backup
Questions? We're here to help.
Call us at (833) 387-7545 or email support@hutchinssystems.net
Monday – Friday, 9:00am – 5:00pm EST
CONSUMER DATA INDUSTRY ASSOCIATION®, CDIA®, the CREDIT REPORTING RESOURCE GUIDE®, and METRO 2® are registered trademarks of the Consumer Data Industry Association in the United States and/or other countries. Neither Hutchins Systems Inc. nor its products or services are affiliated with or endorsed by the Consumer Data Industry Association or CDIA.