Trade Line Reporting & Credit Monitoring Services
We report your payments to all 3 credit bureaus using Metro 2 format. Add credit monitoring to track your progress in real time. Use them together or separately.
Trade Line Reporting
We report your subscription payments to all 3 credit bureaus every month. Each on-time payment adds to your credit history — the single largest factor in your credit score.
All 3 bureaus
Equifax, Experian, and TransUnion. Every month. No exceptions.
Metro 2 format
The industry standard used by banks and lenders. Bureaus process our data identically.
35% of your FICO score
Payment history is the largest factor. Each on-time payment strengthens this category.
What Gets Reported
Credit Monitoring
Watch your credit build in real time. Daily score updates from all 3 bureaus, instant alerts when anything changes, and full score history so you can see the trend.
Daily
Score Updates
Refreshed every day from all 3 bureaus. See where you stand at any time.
Instant
Change Alerts
New account? Hard pull? Balance change? You'll know immediately via email.
12 mo
Score History
Track your progress over time. See exactly when and why your score changed.
24/7
Identity Protection
Dark web monitoring. Fraud alerts. Identity theft protection included.
Your FCRA Rights
As a data furnisher, we operate under the Fair Credit Reporting Act (15 U.S.C. § 1681). You have specific rights regarding the data we report.
Right to Accuracy
Under FCRA § 623(a), we must report accurate information. We verify every data point before submitting to the bureaus.
Right to Dispute
Under FCRA § 623(a)(8), you can dispute any information we report. Submit a dispute through your client portal or our dispute resolution page.
Right to Investigation
Under FCRA § 623(b), when notified of a dispute by a bureau, we must investigate and report our findings within 30 days.
Right to Correction
If we find reported data is inaccurate after investigation, we correct or delete the information and notify all bureaus we reported to.
Dispute Resolution Process
If you believe any information we've reported is inaccurate, here's how to resolve it.
Submit Your Dispute
Log into your client portal and submit a dispute, or email us directly with the details of what you believe is inaccurate.
We Investigate
We review our records, verify the data against our payment history, and determine whether the reported information is accurate.
Resolution Within 30 Days
We respond within 30 days as required by federal law. If the data was inaccurate, we correct it with all bureaus immediately.
Data Furnisher Policies
How we handle your data as an FCRA-regulated data furnisher. Read our complete data furnisher policies.
Reporting Schedule
We submit Metro 2 files to all 3 bureaus at the end of each billing cycle. Data typically appears on your credit report within 30-45 days of submission.
Late Payment Policy
We provide a grace period before reporting a late payment. You'll receive notification before any negative data is submitted. We report accurately — but we give you time to fix payment issues first.
Account Closure
When you cancel, we report the account as "closed" to all bureaus. Your payment history remains on your credit file for up to 10 years and continues to benefit your score.
Data Security
Personal data is encrypted at rest (AES-256) and in transit (TLS 1.3). SSNs are used solely for bureau registration and never stored in plaintext. We maintain strict access controls.