• Skip to main navigation
  • Consumer
  • Small Business
  • Business
  • About Experian
  • Consumer Support
  • Credit Advice
  • Global Sites

Experian Global Sites

  • Argentina
  • Australia
  • Austria
  • Belgium
  • Brazil
  • Bulgaria
  • Canada
  • Chile
  • China
  • Colombia
  • Czech Republic
  • Denmark
  • Finland
  • France
  • Germany
  • Greece
  • Hong Kong
  • India
  • Ireland
  • Italy
  • Japan
  • Malaysia
  • Mexico
  • Netherlands
  • New Zealand
  • Norway
  • Peru
  • Poland
  • Russia
  • Singapore
  • South Africa
  • South Korea
  • Spain
  • Sweden
  • Switzerland
  • Thailand
  • Taiwan
  • Turkey
  • UAE
  • United Kingdom
  • United States
  • Vietnam
Toggle main navigation
  • Skip to main content
  • Customer
    Acquisition
    • Customer
      Acquisition
    • Target Prospects
    • Evaluate Risk
    • Determine Best Offers
    • Originate Credit Applications
    • Direct Mail Tools
    • Big Data Analytics
    • Consumer Insights
  • Customer
    Management
    • Customer
      Management
    • Manage Customer Information & Databases
    • Build Relationships
    • Manage Customer Portfolio
    • Reporting to Credit Agencies
  • Risk
    Management
    • Risk
      Management
    • Verify Applicants
    • Minimize Risk
    • Manage Portfolio Risk
  • Fraud
    Management
    • Fraud
      Management
    • Detect and Reduce Fraud
    • Improve Operational Efficiencies
    • Satisfy Compliance Requirements
    • Prevent Money Laundering
    • Manage a Data Breach
  • Debt
    Recovery
    • Debt
      Recovery
    • Locate Debtors
    • Collection Prioritization and Strategy
    • Monitor Unpaid Debt
    • Collections Management Systems
  • Consulting
    Services
    • Consulting
      Services
    • Services Offerings
    • Areas of Expertise
    • Consultant Profiles
    • Business Review & Process Improvement
    • Strategy Planning
    • Regulatory & Policy Compliance
    • Fraud Consulting
    • Analytics & Product Consulting
    • DDA Life Cycle Capabilities
    • Consulting Resources
  • Regulatory
    Compliance
    • Regulatory
      Compliance
    • BaseI III and II
    • CCAR and CapPR
    • Data Integrity
    • FinCEN Final Rule
    • FDCPA & Large Debt Collection Participants
    • FFIEC Guidance
    • Large Bank Pricing Rule
    • Military Lending Act
    • Model Risk Management
    • Red Flags Rule
    • Risk-Based Pricing Rule
    • TCPA
  • Thought
    Leadership
    • Thought
      Leadership
    • Resources
    • Testimonials & Case Studies
    • Blogs, Twitter, LinkedIn...
    • Preference Center
  • More...
    • Client Sign In
    • Toggle business navigation
    • Solutions
        • Advanced Analytics & Modeling
        • Cloud Applications & Services
        • Collections & Debt Recovery
        • Customer Management
        • Credit Decisioning
        • Credit Profile Reports
        • Data Reporting & Furnishing
        • Data Sources
        • Data Quality & Management
        • Fraud Management
        • Identity Solutions
        • Marketing Solutions
        • Regulatory Compliance
        • Risk Management
    • Industries
        • Advertising & Media
        • Automotive
        • Banks
        • Credit Unions
        • Energy & Utilities
        • Fintech
        • Healthcare
        • Mortgage
        • Public Sector
        • Rental Solutions
        • Telecommunications
    • Specialized Services
        • Business Information Services
        • Consumer Information Services
        • Data Breach Resolution
        • Experian Data Quality
        • Decision Analytics
        • Experian Advisory Services
        • Marketing Services
        • Partner Solutions
        • Experian RentBureau
        • Screening Services
        • Small Business Services

    Client Login

    • Page 1
    • Page 2
    • Page 3
    • Page 4
    • Alchemy Social
    • Audience Engine
    • AutoCheck
    • AutoCount
    • BizApps
    • Business Credit Reports
    • BusinessIQ
    • Business Public Records
    • Claim Scrubber
    • CheckPoint
    • CheetahMail
    • Collections Optimization Manager
    • CompanyCreditScores
    • Compliance Manager
    • Contract Manager
    • ContractorCheck
    • Contractor Check Pro
    • Data Select
    • eCare Online
    • Experian Access
    • Experian Connect
    • Identity Verification
    • Experian Marketing Suite
    • Financial Assistance Screening
    • Hitwise
    • LPS (List Processing Solution)
    • Medical Necessity
    • MetroNet
    • Mosaic Portal
    • MyHealthDirect
    • OneSource®
    • OrderManager
    • Patient Estimates
    • Patient Financial Clearance
    • Patient Identity Verification
    • Patient Responsibility Pricer
    • Payer Alerts
    • Precise ID
    • Small Business Append
    • Small Business Credit
    • Smart Business Reports
    • Small Business Services
    • Supplier Check Reports

    Credit data reporting services

    How and why to report consumer credit data

    1. Consumer Information
    2. Reporting to Credit Agencies
    Customer Management
    • Customer Management
    • Manage Customer Information and Databases
    • Archive Services
    • Custom Scoring Model
    • Decision Point
    • Data Reporting
    • Experian's Data Integrity Services
    • Experian TAPS
    • Financial Personalities - Credit Based
    • Marketswitch Optimization
    • Optimization for Customer Management
    • Prequalification
    • Prescreen
    • Prospect Navigator
    • Prospect Triggers
    • Build Relationships
    • Manage Customer Portfolio

    Winning with data reporting

    For us, it’s all about promoting a healthy credit eco-system for everyone.

    Reporting consumer data to credit bureaus is essential for your customers to reach their financial goals and imperative for you to grow your business. By reporting credit data to Experian, you can:

    • Reduce risky lending decisions – With access to more comprehensive credit data, lenders have a more accurate picture of a consumer’s behavior and can make more informed – and less risky – decisions.
    • Minimize delinquencies and collections – Other credit grantors may offer credit to your customer, not knowing that the customer already has an obligation to you. This may result in your customer getting over-extended and negatively impact their ability to pay you.
    • Increase on-time payments and collect bad debt – When customers know that their lenders report, they are more likely to pay on time. You can also encourage late payers to resolve outstanding debts before delinquency affects their credit.
    • Improve your customers’ experiences and cross-sell – By reporting positive data about your customers, you can reward good behavior and extend additional credit for other products and services.
    • Align with regulatory expectations and industry best practices – While credit data reporting is voluntary, you can align with regulatory priorities and best practices to help and protect the consumer throughout their financial journey.

    Get Started Today

    Reporting credit data to Experian is fast, simple and easy – and we’ll help you every step of the way.

    To start reporting consumer credit data to Experian, download our membership contractual documents for consideration. The membership application includes:

    • Credentialing Application (with Head Designate section for Experian Internet solutions)
    • Data Release Agreement
    • Subscriber Questionnaire Document

    Once your documents are complete, please submit all three documents to esupport@experian.com.

    Reporting Requirements

    • Experian can only accept data in Metro 2® format*. Data providers must send data electronically in Metro 2® format–requires Metro2 Software for formatting. (For more information on the Metro 2® format, please visit www.cdiaonline.org.)
    • All accounts must be reported every month (e.g., all delinquent and charged-off accounts).
    • e-OSCAR* is required for managing off cycle updates and consumer disputes. (For more information on e-OSCAR, please go to www.e-Oscar.org or call 1-866-696-7227).
    • Metric Report® provided by Experian is a comprehensive summary of Metro 2®  submissions that can help identify and allow you to correct errors within a Metro 2®  file.

     

    Note* 

    Metro 2® is a credit industry standard format that allows flexible and complete information on the consumer’s credit history. In addition, the Metro 2® format 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, Metro 2® compliant system that was designed to provide you with an online solution for processing Automated Credit Dispute Verifications (ACDV’s) and Automated Universal Data forms (AUD’s).   More information on E-Oscar can be found on their website- http://www.e-oscar.org/

     

    For information on how and why to report property rental data, please visit Experian’s RentBureau at http://www.experian.com/rentbureau or call 1-877-704-4520 to learn more.

    For information on Experian’s Business Data Reporting Program, please visit http://www.experian.com/datareportingbusiness

    To report or not to report?
    View now >>
    Best Practices Checklist
    Learn more >>
    Consumer Data Reporting
    Learn more >>
    8 Easy Steps for Reporting Data
    Learn more >>
    Experian Data Integrity Services
    Learn more >>
    Should I Report Credit Data?
    Learn more >>

    Get more information about our Business Services.

    Call us or complete the form below.

    1-855-827-6285

    We are unable to address personal credit report and/or membership inquiries via this business form. Visit Experian.com/help or call 888-397-3742 for consumer assistance.

    Validated by Experian Data Quality

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

    Thank you

    Thank you for contacting us. An Experian representative will be in touch with you soon.

    Oops! We were not able to submit your data. Please try again later.

    • Solutions
    • Advanced Analytics & Modeling
    • Cloud Applications & Services
    • Collections & Debt Recovery
    • Customer Management
    • Credit Decisioning
    • Credit Profile Reports
    • Data Reporting & Furnishing
    • Data Sources
    • Data Quality & Management
    • Employer Services
    • Fraud Management
    • Identity Solutions
    • Marketing Solutions
    • Regulatory Compliance
    • Risk Management
    • Industries
    • Advertising & Media
    • Automotive
    • Banks
    • Credit Unions
    • Energy & Utilities
    • Fintech
    • Healthcare
    • Insurance
    • Mortgage
    • Public Sector
    • Rental Solutions
    • Telecommunications
    • Insights
    • Commercial Insights Hub
    • Data Breach Resolution Blog
    • Data Quality Trends Blog
    • Experian Insights Blog
    • Healthcare Blog
    • Marketing Forward Blog
    • Small Business Matters Blog
    • Thought Leadership
    • Innovation
    • Big Data
    • Experian DataLabs
    • Developer Portal & API Hub
    • Experian Ventures
    • Specialized Services
    • Business Information Services
    • Consumer Information Services
    • Data Breach Resolution
    • Experian Data Quality
    • Decision Analytics
    • Experian Advisory Services
    • Marketing Services
    • Partner Solutions
    • Experian RentBureau
    • Screening Services
    • Small Business Services
    • Legal Terms & Conditions
    • Privacy Policy
    • CA Privacy Policy
    • Ad Choices
    • Press
    • Careers
    • Investor Relations
    • Contact Us

    ©2023 Experian Information Solutions, Inc. All rights reserved.

    Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian. Other product or company names mentioned herein are the property of their respective owners.