Our infrastructure handles the complexity of Metro 2® reporting so you can focus on delivering seamless, compliant credit experiences to your customers.
Our infrastructure supports your Metro 2® reporting process, from converting raw data into compliant bureau-ready formats to validating files produced by your existing systems.
Our lightweight API can “plug into” existing data systems with ease so you can report credit data seamlessly.
Our infrastructure runs 700+ validation checks before data is reported—ensuring data integrity and low dispute rates and de-risking your compliance exposure.
Our furnishment solution applies 700+ validation rules across a wide range of use cases, freeing you to focus on your core business.
Whether you need fully managed furnishing or already produce your own Metro 2® files, Bloom provides the infrastructure and validation expertise for accurate, compliant reporting.
Furnishment
Skip the build and let Bloom handle the Metro 2® reporting process from your source data, including formatting, validation, and furnishing to the major credit bureaus.
Furnishment Analyzer
Already produce your own Metro 2® files? Furnishment Analyzer runs them through the same validation framework Bloom uses internally, including hundreds of validation checks, CDIA Metro 2® format checks, and CFPB-aligned furnishing accuracy rules.
Tap into the trusted infrastructure for building credit-forward products.
Our infrastructure supports historically excluded data types—like non-credit recurring payment deposit account behavior—to support and enable credit reporting agency (CRA) obligations.
Enjoy low-lift compliance, data formatting, and matching logic, minimizing your engineering investment so you can go live in days, not months.
Our infrastructure qualifies financial institutions as first-party furnishers—a key qualification for consumer permissioned data certification.
Broaden the qualified borrower base by furnishing data that props up thin-file consumers, increases loan eligibility, reduces risk overlays, and enhances credit decisioning models.
