Every BHPH dealer needs Metro 2 reporting. Most pay for it separately, forever. LouieAuto includes it in the $24,995 one-time license — $0 per month, no bureau account markup, no add-on fee.
Metro 2 is the data format that the three major credit bureaus — Experian, TransUnion, and Equifax — use to accept credit account information from lenders. As a BHPH dealer, you are the lender. That means you have both the obligation and the opportunity to report your customers' payment history to the bureaus.
Accurate reporting helps your customers rebuild credit — which makes them better borrowers for your next deal. It also protects you: documented, accurate reporting is a CFPB defense if a buyer later disputes a repossession or late-payment record.
Metro 2 is a fixed-width file format defined by the Consumer Data Industry Association (CDIA). Each account gets a segment. Each segment has precise field positions for account status, payment history, balances, and more. The file is submitted to bureaus via e-OSCAR or direct furnisher agreements.
Any creditor — including BHPH dealers — can report to the credit bureaus as a data furnisher. You need a furnisher agreement with each bureau (Experian, TransUnion, Equifax). Louie generates the Metro 2 file; you submit it through your existing bureau agreement or e-OSCAR membership.
Incorrectly formatted Metro 2 files are rejected or — worse — silently accepted with errors that later trigger FCRA disputes. Every disputed account costs time and legal exposure. Louie enforces the CDIA's fixed 426-byte record length on every generated segment, refusing to produce a file if a record comes out malformed.
Competitor pricing based on published rates and dealer surveys as of 2026. Subject to change.
| Capability | Standalone Services | LouieAuto (included) |
|---|---|---|
| Metro 2 file generation | $500–$800/month recurring | Included — $0/month extra |
| Bureau dispute / correction log | Often manual or add-on cost | Built into Metro 2 module |
| Per-account Metro 2 preview | Varies by vendor | Preview any account's segment before generating the file |
| Record-length validation | Varies — errors common | Refuses to generate a malformed 426-byte record |
| 3-year total cost | $18,000–$28,800 | $0 extra (included in $24,995 license) |
The CFPB actively supervises BHPH dealers as data furnishers under the Fair Credit Reporting Act (FCRA). Sloppy Metro 2 reporting is an enforcement target. Common violations: reporting after repossession with incorrect account status, balance reporting errors, and failure to investigate disputes within the required 30-day window. Louie's Metro 2 module generates files in strict CDIA format, maintains a dispute/correction audit log, and flags accounts that require correction before submission — giving you a documented compliance posture if the CFPB asks questions.
Bureau submission requires your own e-OSCAR membership or direct furnisher agreements with Experian, TransUnion, and Equifax. Louie generates the correctly formatted file — you submit it through your existing bureau relationship.
The full BHPH platform replaces $72K–$144K/year in standalone tools. One $24,995 purchase. Own it forever.
See the Full BHPH Platform → Buy Now · $24,995Questions? Email brian@louieauto.com