Software
Bureau Reporting Made Simple

AI Metro 2
Software.

by HL Hunt — Convert loan data to Metro 2 in seconds

Stop wrestling with Metro 2 formatting. Our AI automatically converts your raw loan data into bureau-ready Metro 2 files — validated, compliant, and ready to submit to Equifax, Experian, and TransUnion.

Start Reporting →See How It Works
Trusted by lenders — reporting to all 3 bureaus
✓ Accepted
Experian
0 Errors
Last submission
HL Hunt Metro 2
ConvertHistoryReports
AI Conversion
Name: James Mitchell
Acct: 4821-XXXX
Balance: $12,400
Status: Current
Opened: 01/15/2024
J1: MITCHELL JAMES
K1: 4821XXXX
K4: 12400
K2: 01152024
K5: 11 (Current)
File validated — 0 errors, 0 warnings247 records
Equifax
✓ Submitted
Experian
✓ Submitted
TransUnion
✓ Submitted
AI-powered conversion
Metro 2 compliant
All 3 bureaus
Auto-validation
Error correction
Batch & real-time
CDIA certified format
AI-powered conversion
Metro 2 compliant
All 3 bureaus
Auto-validation
Error correction
Batch & real-time
CDIA certified format

Metro 2 reporting on autopilot

Upload your loan data in any format — our AI handles the rest

3
Credit Bureaus Supported
99.9%
Validation Accuracy
<5s
File Conversion Time
426+
Metro 2 Fields Mapped
Platform

Everything you need to report

From raw loan data to bureau-accepted Metro 2 files — AI handles conversion, validation, error correction, and submission

AI converts any loan data to Metro 2 — instantly

Upload CSVs, connect your LOS, or push via API. Our AI maps your fields to the full Metro 2 spec — header, base, J1/J2 segments, trailer — and generates bureau-ready files in seconds.

Automatic field mapping from any format
CSV, Excel, JSON, API — AI figures out your schema
Full Metro 2 spec coverage — all segments
Header, base, J1, J2, K1-K4, L1, N1, trailer records
Equifax, Experian & TransUnion ready
Each bureau's specific formatting requirements handled automatically
Batch or real-time — your choice
Monthly batch uploads or real-time per-account reporting via API

Auto-validation & error correction

Every file is validated against 200+ Metro 2 rules before submission. AI auto-fixes common errors so your files don't bounce.

200+ validation rules
Catches errors before bureaus do
AI auto-fix suggestions
One-click corrections for common issues
Error reports with line-level detail
Know exactly what's wrong and where

Dispute management

Handle ACDV and AUD disputes from bureaus directly in the platform. AI pre-fills responses based on your data.

ACDV dispute processing
AI-suggested responses
Audit trail for compliance

Account status codes

AI maps your loan statuses to the correct Metro 2 account status codes — current, late, charge-off, paid — automatically.

426
Metro 2 fields fully supported

Compliance & FCRA reporting standards

Built to meet CDIA Metro 2 standards, FCRA requirements, and bureau-specific submission guidelines. Automated compliance so you never report inaccurate data.

CDIA Metro 2 Format certified
Follows the latest CDIA credit reporting resource guide
FCRA-compliant data furnishing
Accurate, complete, and timely reporting obligations handled
Bureau-specific formatting rules
Equifax e-OSCAR, Experian, TransUnion quirks all handled

API & integrations

REST API to push records in real-time. Webhooks for submission confirmations. Integrates with your LOS, CRM, or custom platform.

API
Push records in real-time
How It Works

From raw data to bureau submission in 4 steps

No Metro 2 expertise needed. Our AI handles the complexity — you just upload and approve.

1
Upload your data
CSV, Excel, JSON, or push via API. Any format — AI auto-detects your schema and maps every field.
2
AI converts to Metro 2
Every record mapped to the full Metro 2 spec — header, base segments, J1/J2, K-segments, trailer. In seconds.
3
Validate & fix errors
200+ rules checked automatically. AI flags issues and suggests one-click fixes before submission.
4
Submit to bureaus
One click sends to Equifax, Experian, and TransUnion. Track acceptance and get confirmation in real-time.
Built For

Any lender that reports to bureaus

Whether you report 50 tradelines or 500,000 — HL Hunt Metro 2 scales with your portfolio

Banks & Credit Unions
Replace legacy mainframe reporting with AI-powered Metro 2 conversion that plugs into your core.
Enterprise
Fintech Lenders
API-first Metro 2 reporting. Push tradelines in real-time as loans are originated or updated.
API-first
Auto Lenders & BHPH
Report auto loans and leases with the correct special comment codes, payment patterns, and balances.
Mortgage Servicers
Complex mortgage tradelines with escrow, modifications, and forbearance reported accurately.
Credit Card Issuers
Revolving credit reporting with high credit, balance, and payment amount fields handled automatically.
Personal Loan Lenders
Installment loan reporting with proper account types, payment history, and scheduled payment amounts.
Credit Builders
Report credit builder loans and secured cards to help consumers establish credit history.
Popular
SaaS Platforms
Offer bureau reporting as a feature to your lending clients via white-label API integration.
Why HL Hunt

AI vs the old way

See how HL Hunt Metro 2 compares to manual formatting and legacy software

Feature
HL HuntAI
Manual / Excel
Legacy Software
Conversion methodAI auto-mappingManual field-by-fieldTemplate-basedRigid column mapping
Setup timeMinutesWeeksLearn the spec firstDays to weeks
Error detection200+ rules, auto-fixFind out when bureau rejectsBasic checks only
Dispute managementACDV built inSeparate module
API accessREST API, real-timeSFTP batch only
Metro 2 expertise neededNoneAI handles the specExpert-levelModerateTemplate knowledge
CostFrom $99/moStaff timeHours per month$500-2,000/moPlus setup fees
← Swipe to compare →
Ready to simplify your bureau reporting? →

Simple, volume-based pricing

Pay per tradeline reported. No setup fees, no contracts.

Starter
$99/month
up to 500 tradelines
Perfect for Small Lenders
  • AI conversion & validation
  • All 3 bureaus
  • CSV upload
  • Error reports
  • Email support
Get Started
Most Popular
Business
$299/month
up to 5,000 tradelines
Perfect for Growing Lenders
  • Everything in Starter
  • REST API access
  • Dispute management
  • Auto error correction
  • Priority support
Get Started
Enterprise
Custom
unlimited tradelines
Perfect for Large Portfolios
  • Everything in Business
  • Dedicated onboarding
  • Custom field mapping
  • SLA & 24/7 support
Contact Sales

Start reporting to the bureaus today

Upload your first file in minutes. AI handles the Metro 2 conversion, validation, and submission — you just approve and send.

Start Reporting →Talk to Sales
Free trial · No credit card required · Submit your first file today


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