Becoming “first-in-wallet” is an advantage for many companies who report consumer payment data to Experian. Since experiencing risk is part of business, companies like yours are in search of simple and effective tools that have the potential to make a significant impact. By reporting your consumer accounts receivable data to Experian, you can minimize the occurrence of late payments or defaults in your account base.

Reporting consumer credit data is a simple process when working with Experian. The following information will help you understand the basic requirements for reporting as well as provide an opportunity to contact our team and begin reporting credit.

What are the benefits of reporting to Experian?

  • Better leverage in debt collection — Customers who know you are reporting payment behavior to Experian are less likely to default on their debt.
  • Creating opportunity for consumers — Promoting on-time payment behavior can provide your customers with an opportunity to build or establish credit.
  • Fight against identity theft — Many consumers pull or monitor their own credit regularly. Once reported, consumers can see the accounts associated with their identification.
Download Metro 2 Format

Metro 2 is the industry-standard format required for reporting to Experian. It meets all requirements of the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA), and the Equal Credit Opportunity Act (ECOA).


e-OSCAR, the Online Solution for Complete and Accurate Reporting, is a browser-based Metro 2 compliant system that provides you with an online solution for processing disputes.

Secure Electronic Data Transmission

To protect your data, Experian requires electronic data submission. The approved methods use a secure 128-bit encryption via HTTP, FTPS, or SFTP, and several transmission methods are free.

Get More Information

The form below is for requests from businesses only.
If you are a consumer looking for fast resolution to your consumer credit questions, please visit our Personal Services Contacts page.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Let Us Help You

Contact us today to learn more about reporting your customers' credit activity to Experian. Call us at 1-800-831-5614, Option 3.

FCRA compliance overview checklist

Stay compliant with federal and state regulations

Financial institutions are responsible for regulatory compliance when requesting and using consumer reports. Get started with these FCRA requirements today.

Debt recovery strategies

Reduce Costs and Increase Efficiency

Experian offers products and services to help you locate hard-to-find debtors, and to prioritize your collection efforts.