Modern data furnishing – without the Metro 2^® headache

Report your tradelines to all three credit bureaus with a single API. CRS handles formatting, submission, and disputes in one environment, surfacing errors before submission, not after.

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WHY FURNISH

Good for your customers. Even better for your business.

Reporting your accounts to the bureaus isn’t just a compliance box to tick – It’s one of the few actions that helps your customer and your bottom line at the same time.

Help your customers build credit

Reporting on-time payments strengthens customer credit files and rewards good behavior, opening the door to better rates and opportunities. Loyalty you earn by helping them get ahead.

Get paid on time

When customers know their payments are being reported, they’re more likely to pay on time. Fewer defaults, better recovery on bad debt — good behavior becomes a habit.

Ready to start furnishing?

Talk to our sales team to learn more about getting certified.

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A MODERN SOLUTION

CRS doesn’t just send your data. We run the whole lifecycle.

Furnishing isn’t just shipping data. It’s getting approved, formatting it right, and answering every dispute that follows. CRS does all three — start to finish, on one platform.

Get credentialed

Getting approved by Experian, Equifax, and TransUnion is the most opaque part of furnishing. We’ll guide you through the paperwork, test files — so you get approved faster.

Furnish with confidence

Send your data by API or Excel. We validate it, format it, keep it compliant, and deliver it to all three bureaus. You never touch Metro 2^®.

Resolve disputes

When a consumer disputes, the clock starts. Our partner handles eOSCAR responses with Al — FCRA-aligned, on time, no manual scramble.

You send the data. CRS handles the rest.

Step one

You send your data. Register consumers, open their accounts (tradelines), and post monthly updates — by API or a simple Excel upload.

Step two

CRS does the rest. We validate every record on the spot, keep it compliant, format it to each bureau’s spec, and securely deliver it to all three bureaus. No Metro 2^®. No FTP. No headaches.

FCRA-aligned

Our validation enforces the furnishing requirements of the Fair Credit Reporting Act on every record you submit.   SOC 2 Type II / Encrypted in transit and at rest / 99% uptime

DISPUTE RESOLUTION

When a consumer disputes, the clock is already ticking.

Under the FCRA, every consumer dispute demands a timely, accurate response through eOSCAR – the bureaus’ dispute system. Miss the window or get the response wrong, and you’re exposed. CRS handles it for you, through our official dispute-resolution partner, Unlimited.

Automated dispute handling

Disputes come in, get classified, and resolved with AI, cutting the manual workload dramatically.

Filed inside the FCRA window

Every response tracked end to end, with deadline tracking on each dispute.

Less busywork, fewer mistakes

Hand off the eOSCAR grind to a system built for it.

Start furnishing the modern way.

Request a sandbox key and start reporting credit data to all three bureaus.

Read the API docs

COMMERCIAL DATA FURNISHING

Commercial furnishing rides on completely different rails — and we cover that too.

Everything above is consumer furnishing. Commercial data furnishing is a different world entirely — different networks and consortia, different formats, no single Metro 2^® standard. Different rails, different rules. We cover it too, through our partnership with Hansa: send us your data, and we handle the formatting, credentialing, and submissions to the major commercial networks — SBFE, PayNet/CFN, Experian Business, and more — built for the commercial side.

Talk to us about commercial furnishing

Modern data furnishing – without the Metro 2® headache