The Industry Leader in Metro 2 Software Since 1986
Hutchins Systems, Inc. was founded in 1986 with a single mission: make credit bureau reporting accurate, compliant, and accessible for every organization that furnishes credit data. Nearly four decades later, we remain the most trusted name in Metro 2 software.
We have helped over 1,200 lenders, servicers, credit unions, fintech companies, rent reporters, and collections agencies navigate the complexities of Metro 2 format compliance, CDIA standards, and FCRA requirements. Our team of credit reporting experts has seen every edge case, every bureau quirk, and every compliance challenge — and we have built our software to handle all of them.
Our Metro 2 software suite includes MORFi Cloud (browser-based), Credit Time 2000© (desktop), and a full REST API for automated integrations. All platforms share the same compliance audit engine, stack processing infrastructure, and bureau submission pipeline that our clients have relied on for decades.
38 Years of Innovation
Metro I credit reporting software for MS-DOS users. Still used today by many businesses to report to all four credit bureaus.
Public record collection software for courthouse records across the US. Used by Consumer Credit Bureau Repositories for over 15 years with only one upgrade required.
Windows-based METRO 2® credit reporting software. Used by 2,000+ businesses throughout the United States. Accepted and approved by all national credit bureau repositories.
Browser-based Metro 2® compliance platform — no software installation required. Real-time validation, automated stack processing, multi-user access, and secure SFTP delivery to all 4 bureaus from any device.
REST API giving developers direct access to the Metro 2® validation engine, stack processing pipeline, and bureau submission infrastructure. Enables fully automated credit reporting workflows for fintechs and software vendors.
Next-generation Metro 2® compliance platform. Continuing our commitment to making credit bureau reporting simpler, faster, and more reliable for organizations of all sizes.
For nearly four decades, Hutchins Systems has never stopped pushing the boundaries of credit bureau compliance technology. From our earliest software products to the MORFi platform suite, we continue to evolve, improve, and build — because the credit reporting landscape never stands still, and neither do we. Our work is never done.
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