Metro 2® Solutions for Every Organization
From small BHPH dealers to enterprise fintech platforms — we have the right Metro 2® solution for your reporting volume, technical setup, and budget.
Metro 2® Software
Fully compliant Metro 2® software — desktop (Credit Time 2000©), cloud (e-CreditTime, MORFi Web), and REST API (MORFi API). Report to Equifax, Experian, TransUnion, and Innovis from a single platform.
Metro 2® Compliance Audit
A Metro 2® audit reviews and validates the credit data your organization submits to the bureaus — ensuring every field is accurate, complete, and compliant with CDIA and FCRA standards before submission.
Stack Data Processing
We are certified third-party data processors with all major national credit bureaus. Easily integrate credit reporting into your business workflow — we handle validation, formatting, and delivery every month.
Expert Consulting
39+ years of experience helping businesses navigate Metro 2® compliance, FCRA requirements, bureau credentialing, and credit reporting best practices. From first-time data furnishers to enterprise lenders.
We Help Every Type of Data Furnisher
Whether you use Frazer, AutoManager, or any other DMS — whether you're a BHPH dealer, bank, fintech, or property manager — we have the Metro 2® solution for you.
BHPH Dealers
Buy Here Pay Here dealers reporting consumer auto loan accounts to Equifax, Experian, TransUnion, and Innovis. We integrate with Frazer, AutoManager, DealerSocket, and all major BHPH DMS platforms.
Frazer DMS Users
Frazer already generates your Metro 2® file — Hutchins Systems takes it from there. We audit every field for FCRA compliance, validate the file through our stack processing engine, and furnish it directly to Equifax, Experian, TransUnion, and Innovis on your behalf. One less thing to worry about every month.
AutoManager Users
AutoManager generates your Metro 2® file — Hutchins Systems handles everything after that. Our compliance audit catches errors before the bureaus do, our stack processing engine validates and formats the file, and we furnish it to all four bureaus. Fully managed, fully compliant, every month.
Banks & Lenders
Banks, credit unions, mortgage companies, personal loan providers, and installment lenders reporting consumer accounts to all four national credit bureaus in Metro 2® format.
Fintech & SaaS Platforms
BNPL platforms, neobanks, and SaaS lending platforms that need to embed Metro 2® credit bureau reporting directly into their product via REST API. MORFi API handles all 4 bureaus with a single integration.
Property Managers
Property management companies and rent reporting platforms that want to report tenant payment history to credit bureaus. We help you meet bureau minimum account thresholds and Metro 2® format requirements.
1,200+ Businesses Trust Hutchins Systems
“Absolutely making the right choice for METRO 2® Software … the best one to use and your credit information will be reported accurately.”
“Support staff extremely helpful and going out of their way.”
“Recently our office leased the Hutchins Systems Credit Time 2000© software and it has been a great experience. The software is very user-friendly.”
Three Simple Steps to Start Reporting
Book a Free Call
We assess your bureau eligibility, account volume, and the right Metro 2® software for your workflow. No obligation — just expert guidance.
Book A Free CallSelect Your Plan
From small business reporters to high-volume enterprise accounts — we have the right Metro 2® solution for your organization.
Compare PlansOnboard & Report
Easy setup, Metro 2® file validation, and live reporting to Equifax, Experian, TransUnion, and Innovis. Our team supports you every step.
Get StartedCompliance You Can Count On
We keep your business aligned with FCRA, CDIA, and Metro 2® standards. You stay protected, and your data stays accurate. Our compliance audit engine validates every field in every segment before your file reaches the bureau.
CONSUMER DATA INDUSTRY ASSOCIATION®, CDIA®, the CREDIT REPORTING RESOURCE GUIDE®, and METRO 2® are registered trademarks of the Consumer Data Industry Association. Neither Hutchins Systems Inc. nor its products or services are affiliated with or endorsed by the Consumer Data Industry Association or CDIA.
Common Questions About Metro 2® Reporting
Q: What is Metro 2® format and why do I need it?
Metro 2® is the standardized data format required by all four national credit bureaus (Equifax, Experian, TransUnion, Innovis) for reporting consumer credit accounts. If you extend credit to consumers — auto loans, personal loans, mortgages, rent — you are legally required to use Metro 2® format when reporting to the bureaus.
Q: Do I need Metro 2® software or can I report manually?
The credit bureaus require Metro 2® format files, which must be generated by compliant software. Manual reporting is not accepted. Hutchins Systems offers desktop, cloud, and API-based Metro 2® software to fit every organization size and technical setup.
Q: I use Frazer DMS — can Hutchins Systems help me report credit?
Yes — and the workflow is simple. Frazer already generates your Metro 2® file. You send that file to Hutchins Systems, and we take care of everything else: we audit every field for FCRA compliance, run it through our stack processing engine to validate and format it, and then furnish it directly to Equifax, Experian, TransUnion, and Innovis on your behalf. You get a fully managed, bureau-ready submission every month without touching a thing.
Q: I use AutoManager — can Hutchins Systems help me report credit?
Yes — same seamless workflow. AutoManager generates your Metro 2® file. Hutchins Systems receives it, runs a full compliance audit to catch any errors before the bureaus do, processes it through our stack processing engine, and furnishes it to all four national credit bureaus. Fully managed, fully compliant, every single month.
Q: How long does it take to get approved by the credit bureaus?
The credentialing process typically takes 4–8 weeks per bureau. Hutchins Systems guides you through every step — from the initial application to your first Metro 2® file submission. Most of our clients are reporting within 6–8 weeks of their first call with us.
Q: What is stack data processing?
Stack processing is a managed service where Hutchins Systems validates, formats, and submits your Metro 2® data to all four credit bureaus every month on your behalf. It eliminates the risk of format errors and ensures you never miss a monthly reporting deadline.
Ready to Start Reporting?
Call us or book a free consultation. Our Metro 2® experts will assess your eligibility, recommend the right software, and get you reporting to the bureaus — fast.