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.

CDIA Approved Credit Reporting

Solution

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.

246 Properties Integrated

2k+ Resident information Reported

$2m+ Annual Revenue Generated

Results