Metro 2 complianceisn't optional.Neither is gettingit right.
Generate, validate, and submit Metro 2 compliant credit reporting files to all four national bureaus. Automated stack processing, compliance audit trails, and expert support — from the team that's been doing this since 1986.
Trusted for reporting to all four national credit bureaus
What Is Metro 2 Credit Reporting?
Metro 2 is the standardized data format maintained by the Consumer Data Industry Association (CDIA) for reporting consumer and commercial payment history to the credit bureaus. Every organization that furnishes credit data must generate Metro 2 compliant files.
The Metro 2 format defines over 100 fields across base segments, J1/J2 associated consumer segments, and K-segments. Errors in any of these fields can result in bureau rejections, consumer disputes, and FCRA violations.
Hutchins Systems has been the industry's trusted Metro 2 software provider since 1986. Our platform handles data mapping, bureau-grade compliance validation, stack processing, and secure delivery to all four national bureaus.
Base Segment
Core account information including account number, balance, payment status, and consumer identity fields.
J1/J2 Segments
Associated consumer segments for joint accounts, authorized users, and co-signers.
K-Segments
Supplemental account information including purchase money mortgage and specialized payment indicators.
Compliance Audit
Automated validation against CDIA standards to prevent bureau rejections and FCRA violations.
Everything You Need for Metro 2 Compliance
Data mapping, compliance validation, stack processing, file generation, bureau delivery, and audit trails — all in one platform.
Bureau-Grade Metro 2 Validation
Our compliance engine mirrors the exact validation rules used by Equifax, Experian, TransUnion, and Innovis — catching errors before they cause rejections.
Stack Processing Engine
Process thousands of credit records in parallel batches. Our stack processing architecture handles high-volume submissions with automated scheduling and error recovery.
Compliance Audit Trail
Every change, submission, and validation result is logged with a timestamped audit trail. Meet FCRA requirements and respond to disputes with complete documentation.
One-Click File Generation
Generate CDIA-compliant Metro 2 format files instantly from CSV, Excel, or JSON data. No manual field mapping or format debugging required.
Multi-Bureau Submission
Submit to all four national credit bureaus — Equifax, Experian, TransUnion, and Innovis — from a single platform with fully automated delivery.
CRRG® Aligned Compliance Engine
Built to the current Credit Reporting Resource Guide® specification. Our engine is updated whenever CDIA releases a new CRRG® edition, keeping your submissions in sync with bureau requirements.
High-Volume Metro 2 Stack Processing
Our stack processing engine is purpose-built for organizations with large credit portfolios. Process thousands of accounts in parallel batches, with automated error detection, record-level validation, and intelligent retry logic.
- Parallel batch processing for high-volume submissions
- Automated Metro 2 segment assembly from raw data
- Record-level error detection with actionable fix suggestions
- Scheduled monthly processing with email notifications
- Complete stack processing audit log for every run
Built-In Metro 2 Compliance Audit Engine
Our compliance audit engine runs every submission through a comprehensive set of CDIA validation rules before the file reaches the bureau. Catch errors, warnings, and compliance gaps before they become rejections or regulatory issues.
Hutchins Systems vs. Legacy Desktop
See how our modern Metro 2 platform compares to outdated desktop-only alternatives.
Flexible Metro 2® Solutions
One trusted standard since 1986. Cloud and desktop options starting at $49/month.
Credit Time 2000©
Desktop Metro 2® software for Windows. Trusted since 1986.
- Desktop-based (Windows)
- Manual data entry
- Unlimited phone support
- Built-in reports
e-CreditTime
Cloud Metro 2® software. No installation. SOC 2 Certified.
- Cloud — any browser
- No installation
- Audit included
- SOC 2 Certified
MORFi Web
Browser-based platform with CSV import and stack processing.
- Cloud based
- Import CSV/Excel
- Stack processing
- SOC 2 Certified
MORFi API
Enterprise REST API for developers. Integrate Metro 2® into your platform.
- REST API
- Webhooks
- Sandbox environment
- SOC 2 Certified
All plans include a free consultation call. View full pricing →
Trusted by Lenders Nationwide
“Recently our office leased the Hutchins Systems Credit Time 2000© software and it has been a great experience. The software is very user-friendly and the support team is excellent.”
“Working with Hutchins has been great. They are very patient with new clients, and they are very easy to get a hold of. Highly recommend for any Metro 2 compliance needs.”
“Can I first say THANK YOU! I really appreciate you sending so much detailed information. They were so extremely helpful and more importantly patient with me.”
“Its simple to send to the bureaus and when we changed systems Sarah helped us with coding for the bureau. Thank you.”
Common Questions About Metro 2 Software
Metro 2 Guides & Resources
The Complete Guide to Metro 2® Compliance for BHPH Dealers
How BHPH dealers use Metro 2® reporting to slash delinquencies below 1.55% and prevent costly repossessions.
The Hidden Liability in Your Metro 2 Files
The 5 most common Metro 2 reporting errors hiding in your files — and how to fix them before a regulatory inquiry does.
How Fintech Lenders Can Embed Credit Bureau Reporting in 30 Days
A proven 30-day roadmap for BNPL platforms and neobanks to embed fully compliant Metro 2® reporting.
What Is Metro 2? Complete Credit Reporting Format Guide
A comprehensive guide to the Metro 2 format, CDIA standards, and how to become a data furnisher.
Ready to Simplify Metro 2 Reporting?
Join over 1,200 lenders, servicers, and fintechs who trust Hutchins Systems for Metro 2 compliance. Book a free consultation call with our experts today.
No commitment required. Our Metro 2 experts will assess your needs and recommend the right solution.