To report your members' loans to a credit bureau you must have first made arrangements with that credit bureau to transmit files to their website.   Each credit bureau will assign you a unique User ID and Password to use when you log onto their site.

ENTER YOUR CREDIT BUREAU IDENTIFIERS ON OUR SYSTEM

Each credit bureau will assign a METRO2 PROGRAM IDENTIFIER  and a SUBSCRIBER CODE unique to your credit union.   These numbers must appear within the credit bureau file itself.   Contact each credit bureau and have them tell you what your codes are.

You can describe these codes to them using the following information to tell them where in the credit bureau file the information appears as follows:

• Information below for record and position numbers taken from the CREDIT REPORTING RESOURCE GUIDE   

METRO2 PROGRAM ID   (Resource Guide Page 4-2)

   This is the information that appears in the HEADER RECORD

FIELD	FIELD NAME	LENGTH	POSITION	RECORDING TECHNIQUE
4	Innovis Program Identifier	10	13-22	AN
5	Equifax Program Identifier	10	23-32	AN
6	Experian Program Indentifier	5	33-37	AN
7	Trans Union Program Identifier	10	38-47	AN

SUBSCRIBER CODE  ( Resource Guide Page 4-5)

    This information appears in the BASE RECORD in 426 format

FIELD	FIELD NAME	LENGTH	POSITION	RECORDING TECHNIQUE
5	Identification Number	20	21-40	AN

REPORT QUERY PASSWORD is the password you use when obtaining credit reports from the credit bureau.  In the future ERS will be using this field as well.  

   In Program #60 Option F  

METRO2 PROGRAM ID goes in the first field for the appropriate credit bureau

SUBSCRIBER CODE goes in the second field for the appropriate credit bureau

REPORT QUERY PASSWORD goes in the third field for the appropriate credit bureau.  (This field is not currently used by ERS)

NOTE:  If you do NOT have information in the METRO2 PROGRAM ID or SUBSCRIBER CODE fields, the system will NOT create a file for you.

IF YOU DO NOT HAVE THE PROPER INFORMATION IN THESE FIELDS, YOUR CREDIT BUREAU REPORTS WILL BE REJECTED BY THE CREDIT BUREAU.  

CREATING CREDIT BUREAU REPORTS

As part of Automatic Month-End routines, ERS will create a Metro2 credit bureau file for each of the 4 credit bureaus.  (If you do NOT have a IDENTIFIER ID and SUBSCRIBER CODE listed in Program #60 Option F for a particular credit union, a file will still be  not be created for that credit bureau.  

The reports will be stored in Program #33 EXPORTABLE files with the month-end date.  

SENDING REPORT TO THE CREDIT BUREAU

    EXPORTING THE FILE FROM THE LINUX SYSTEM TO YOUR PC

1. In Program #33 go to EXPORTABLE files
   
    
2. Highlight the credit bureau file you wish to send.
   
   
    
3. Press the HOME key to display the report.
    
4. Press F9 and choose Option C from the drop down window.
   
    
5. Click on Yes to export the file to your PC.
    
    
6. This option will copy this file to a REPORTS sub-directory on the C drive of your PC.

    IMPORTING FILE TO CREDIT BUREAU WEBSITE

Importing files to each credit bureau requires that you log onto their website and follow the instructions you find there.  The example below is TransUnion, but the other credit bureau's sites will be very similar.

1. Access the credit bureau's website.
   
    
2. Choose SEND from the buttons on the left.
   
    
3. Enter the User ID and Batch ID assigned to you by the credit bureau.
    
4. Click on the Browse button and locate the Reports Sub-directory on your C drive.
   
    
5. Double Click on that file name to choose it.
    
6. Locate the credit bureau file within that sub-directory and Double Click to choose it.
    
    
7. This file name will now appear in the File Name box on the credit bureau's website.
    
8. Click Send to send this file to the credit bureau.

Follow this procedure for each of the credit bureaus to which you wish to send report files.