CDIA Metro2 Credit Reporting
My Credit Lift
Challenge
My Credit Lift set out to help renters build credit by reporting on-time rent payments to major credit bureaus. To do so, the company needed to generate Metro2® files fully compliant with CDIA regulations—an exacting format required by Experian, TransUnion, and Equifax. Rent payment data flowed in from multiple sources, including property management platform APIs and manual .csv exports, creating complexity in data normalization, compliance validation, and reporting accuracy.
In addition, the system needed to manage renter opt-outs in real time to ensure only eligible accounts were reported. The objective was to create a scalable, compliant reporting infrastructure that could support rapid growth while maintaining strict regulatory standards.
Solution
*Example product
Our team designed and implemented an automated Metro2 file generation system tailored to the financial industry’s compliance requirements. The platform integrated directly with major property management system APIs while also allowing administrators to upload .csv files from additional sources.
Incoming data was standardized, validated, and automatically transformed into Metro2-formatted files ready for submission to all three major credit reporting agencies. Built-in compliance checks ensured adherence to CDIA regulations, reducing manual oversight and minimizing reporting risk.
To safeguard accuracy, the system also incorporated renter opt-out functionality. Opt-out requests were tracked and dynamically applied to reporting files, ensuring that only eligible payment histories were submitted. This created a seamless, audit-ready workflow from data ingestion to bureau submission.
Results
The automated reporting infrastructure enabled My Credit Lift to achieve accreditation with Experian, TransUnion, and Equifax—establishing the company as a trusted, compliant data furnisher.
With scalable integrations in place, 34 properties were onboarded onto the platform, generating $120,000 in recurring monthly revenue. The streamlined Metro2 reporting process reduced operational friction, improved reporting accuracy, and positioned the company for continued expansion in the rent-reporting market.
Ultimately, My Credit Lift transformed a complex regulatory requirement into a scalable revenue engine, combining compliance, automation, and growth in a single integrated system.