Reporting To The Credit Bureaus

How To Report To The Credit Bureau

Reporting To The Credit BureausOne of the most common questions we receive is how do we report to the credit bureaus.

Whether you’re using your own software or a service like Datalinx, you will need to go through the membership process with each bureau you plan on sending your data. This process usually takes between 2 and 4 weeks and may include a small fee depending on the bureau and size of your business. You also may be asked to allow for an on-site inspection of your business to help ensure the integrity of the data once accessed from their system.

Once all the paperwork has been signed and the inspection is approved, the bureaus will issue you two codes, one for pulling credit (commonly called your subscriber code) and another for reporting (also called your reporting code). The latter is what will be used to identify your information in the Metro 2 file.

Keep in mind, not everyone reports to all 4 bureaus, in fact most report to just 1 or 2. We recommend picking one initially to get started with and then add more bureaus as you get more comfortable with the process. They all use the same format (Metro 2) so once your data has been converted it’s just a matter of sending the same file to another location.

Below are the contact numbers for each of the bureaus.

  • Trans Union – (714) 680-7206
  • Equifax – (888) 202-4025
  • Experian – (800) 831-5614 option 3
  • Innovis – (281) 504-2611

If I report to one credit bureau, will my data show up on all four?

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