General Questions

My office only has a few accounts and we wish to report both good credit customers and my bad credit customers to the credit bureaus. Will we be able to report our accounts' to the credit bureaus?


This will depend on your first month’s volume of accounts and if your office will meet the reporting requirements of your selected credit bureau(s). Some of the credit bureaus will require your office to have a minimum number of accounts and if your office is a member of Equifax, your office must have 500 open balance accounts (not including paid in full accounts or closed accounts) before your office can become a reporting member. If your seleted credit bureau is
in the district, remember you may enter accounts as far back as 6.5 years on all accounts you wish to report. You may also enter up to 24 months of prior month’s payment history on your consumer’s accounts in Credit Time 2000©. Currently, Experian Credit Bureau is the only major credit bureau that will accept new members with no minimum volume requirements. Please contact us at 866-858-7186 or Experian’s New Member Sales Department at 800-831-5614 Ext. 3 for more information on how to become a member.

Two special considerations must be met:

1. Your office must have our Credit Time 2000© Metro 2® software or some other Metro 2® credit reporting format. 2. Your software must be a Metro 2® format that we can process with others and still meet the national bureau minimum reporting requirement.

(Call us to see if your office meets these 2 considerations – 866-858-7186 (toll free)

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Our Credit Time 2000® Metro 2® Credit Reporting Software allows any businesses to report consumer credit accounts and business commercial accounts to all of the national credit bureaus - Equifax, Experian, Innovis and Trans Union. We also support Metro 2® Credit Reporting to real-time credit bureaus with national coverage of alternative credit data. Our software is thoroughly tested and produces to the most error free files in the industry. Credit Time 2000® is recommended and accepted by all the National and Alternative Credit Bureaus.

COMSUMER DATA INDUSTRY ASSOCIATION®, CDIA®, the CREDIT REPORTING RESOURCE GUIDE®, and METRO 2®, are registered trademarks or trademarks of the Consumer Data Industry Association in the United States and or other countries. Neither Hutchins Systems Inc. nor is products or services are affiliated with or endorse by the Consumer Data Industry Association or CDIA.