From raw account data to accepted Metro 2® files.
Metro 2® Furnishing is Kikoff Enterprise's credit reporting layer for data furnishers. Send account data in the format you already have, and Kikoff validates it against the Credit Reporting Resource Guide®, generates bureau-ready Metro 2® files, and manages submission, acceptance, and corrections — with the audit trail your compliance team needs.
Automated Metro 2® compliance checks
Every record is validated against the latest Credit Reporting Resource Guide® before submission, catching the formatting and logic errors that lead to bureau rejections and FCRA risk.
Import data the way it already exists
Send accounts via API, or upload CSV, Excel, XML, fixed-width, or existing Metro 2® files. No need to rebuild your servicing exports to start reporting.
Bureau submission and acceptance tracking
Submit to Equifax, Experian, and TransUnion from one integration. Acceptance status and rejected records come back via API with actionable error codes.
Security and audit built in
AES-256 encryption, secure file transfer, user permissions, and full audit logs keep every change to reported data traceable for exams and disputes.
Accurate credit reporting, without a Metro 2® team.
Fewer rejections, fewer disputes
Catching errors before submission means higher bureau acceptance and fewer consumer disputes downstream — protecting your customers and your standing as a data furnisher.
Built for FCRA-aligned reporting
Validation rules track the Credit Reporting Resource Guide® as it changes, so your reporting stays current without your team monitoring every format update.
Built for every data furnisher
Banks, credit unions, auto lenders, property managers, utilities, and collection agencies can report one portfolio or many, with multi-company workflows and batch edits.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Submit a tradeline for bureau furnishing curl https://sandbox.enterprise.kikoff.com/v1/furnish/tradeline \
-H "Authorization: Bearer $API_KEY" \
-d '{
"account_id": "acct_xyz789",
"member_id": "usr_abc123",
"balance": 420,
"payment_status": "current"
}' # Response: 202 Accepted {
"submission_id": "sub_furn331",
"bureaus": ["equifax", "experian", "transunion"],
"metro2_status": "accepted"
}
Start reporting Metro 2® data the bureaus accept.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.