Credit Reporting Consulting
METRO 2 FORMAT® and Credit Reporting Issues
Since 1986, Hutchins Systems has been the trusted consulting partner for banks, software vendors, credit bureaus, and financial institutions navigating the complexities of METRO 2® credit bureau reporting.
Unparalleled Industry Experience
Since 1986, Hutchins Systems Inc. has been providing consulting and advisory services to small and large software vendors, banks, savings and loans, and many other businesses for credit reporting. Our services assist them in reporting consumer credit data, business credit, and public record information to the National Credit Bureaus and outside mass data collection networks.
Hutchins Systems Inc. has done consulting work for Equifax, Experian, and TransUnion credit bureaus for public record collections and credit reporting. We have also consulted with data management groups for some of the largest banking software vendors and medical hospital systems regarding reporting requirements and credit bureau reporting issues.
Understanding and developing credit reporting applications for consumer data reporting to the National Credit Repositories requires extensive experience in the credit reporting industry along with years of programming development experience. Developing the METRO 2 FORMAT® structure, data storage, edit controls, and reporting requirements is certainly not an easy task and must not be taken lightly.
Bureau Consulting Experience
“We work and have worked with Experian, Equifax, and TransUnion credit bureaus in a consultant role for METRO 2® reporting and Public Records Reporting along with their members.”
How We Can Help Your Organization
Whether you're new to credit bureau reporting or need to resolve existing issues, our consultants bring decades of hands-on experience to every engagement.
METRO 2® Format Development
Expert guidance on developing and implementing the METRO 2® credit reporting format structure, data storage, edit controls, and reporting requirements for FCRA compliance.
Credit Bureau Onboarding
End-to-end support for organizations new to credit bureau reporting — from program identifier setup to first successful file submission to all four national bureaus.
FCRA Compliance Review
Comprehensive review of your current data furnishing practices against FCRA requirements, CDIA standards, and bureau-specific rules to identify and resolve compliance gaps.
METRO 2® Error Correction
Diagnosis and resolution of existing METRO 2® reporting problems, bureau rejections, and data accuracy issues that may be affecting your compliance standing.
Software Vendor Consulting
Advisory services for software vendors integrating Metro 2® credit reporting into their platforms, including API design, data mapping, and bureau submission architecture.
Banking & Financial Institution Consulting
Specialized consulting for banks, savings and loans, credit unions, and other financial institutions on consumer credit data reporting requirements and best practices.
David Hutchins, Founder & CEO
Mr. David Hutchins worked for several years with TRW Credit Services (now Experian Credit Bureau) in a management role over their data analysis group in the Southeastern Region. In 1986, he founded Hutchins Sys-Con and Company, Inc. for providing consulting to large banking groups and other companies seeking to benefit from credit bureau reporting.
Today, he is CEO/President of Hutchins Systems, Inc. Mr. David Hutchins is listed in the National Registry Who's Who, Co-Chairman of the Small Business Advisor Board for the United States Congress representing the State of Florida, and is a former Disabled Vietnam Veteran who served proudly for his country.
Each employee at Hutchins Systems has an average of 20 years of experience working with all four major credit bureaus, with a combined total of 60+ years of programming experience across multiple languages and prior management positions at top software development companies.
Products Developed
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.
See our latest solutions →Industries We Serve
Contact Us Today
If your company could use our vast knowledge in consulting and advisory services — whether writing the METRO 2 FORMAT®, correcting existing reporting problems, or navigating credit bureau requirements — contact us and let us help.
Hutchins Systems, Inc. · P.O. Box 2797, Acworth, GA 30102
CONSUMER DATA INDUSTRY ASSOCIATION®, CDIA®, the CREDIT REPORTING RESOURCE GUIDE®, and METRO 2® are registered trademarks of the Consumer Data Industry Association. Hutchins Systems Inc. is not affiliated with or endorsed by CDIA.