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Credit Reporting

Furnish accurately, or not at all.

If you report to the bureaus, HL Hunt generates Metro 2 files with accuracy checks, applies dispute and medical-debt flags automatically, updates tradelines on every payment and settlement, and documents your FCRA reasonable procedures. If you do not, nothing is ever reported.

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  • Free plan, no credit card
  • FDCPA, TCPA & Reg F enforced
  • Outreach live in under an hour
  • Commission only on recoveries
Metro 2
Format for all three bureaus
Auto
Updates on payment, settlement, dispute, and recall
0
Medical debts under $500 or under a year old reported
Full
Audit trail for every furnished record

What Credit Reporting gives you

  • Metro 2 generation

    Monthly files built from account data with field-level validation against the CDIA guidelines before transmission.

  • Pre-reporting notices

    Where required, debtors receive notice before first report and have the chance to dispute or pay, with the waiting period enforced automatically.

  • Dispute and status flags

    Disputed accounts are flagged in the next cycle. Paid, settled, recalled, bankrupt, and deceased statuses update tradelines correctly.

  • Medical debt rules

    Bureau policies and state laws excluding small or recent medical debts, and CFPB rules as they take effect, are applied so excluded accounts are never furnished.

  • Direct dispute handling

    FCRA direct disputes and e-OSCAR ACDVs are routed into the disputes workflow with deadlines tracked and responses documented.

  • Reasonable procedures documentation

    Every file, validation result, update, and dispute response is retained, giving you the written procedures and evidence the FCRA requires of furnishers.

Start using Credit Reporting today.

Create a free account, upload your first accounts, and compliant AI outreach starts within the hour. No credit card, no contract.

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How it works

  1. 01

    Enable per portfolio

    Credit reporting is off by default. Turn it on for the portfolios where you have the right and the intent to furnish.

  2. 02

    Accounts are validated and furnished

    Eligible accounts pass accuracy checks, notice requirements, and exclusion rules, then go in the monthly Metro 2 file.

  3. 03

    Tradelines stay current

    Every payment, settlement, dispute, and status change updates the next file automatically, and deletions are sent when required.

Credit reporting is a lever and a liability

Reporting a collection account to the bureaus is one of the strongest motivators to pay, which is exactly why it is regulated so heavily. The Fair Credit Reporting Act requires furnishers to have reasonable written procedures for accuracy, to investigate disputes within thirty days, and to correct or delete inaccurate information. Regulation F prohibits passive collection by reporting before contacting the debtor. Medical debt rules at the bureau, state, and federal level now exclude large categories of accounts entirely. Get any of it wrong and you face FCRA class actions and regulatory action.

HL Hunt treats credit reporting as a controlled, optional process rather than a default. Reporting is enabled per portfolio. Eligible accounts are validated field by field against Metro 2 requirements, checked for required pre-reporting notices, and screened against exclusion rules before they are ever included in a file. Disputes from any source flag the tradeline. Payments, settlements, and recalls update it. Bankruptcy and deceased statuses are handled per the guidelines.

Everything is documented. The file you sent, the validation it passed, the notice the debtor received, the dispute you investigated and how you responded. When a consumer attorney or a regulator asks for your reasonable procedures, the answer is an export, not a reconstruction.

What changes

HL Hunt vs the traditional approach

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 HL HuntTraditional collections
Credit ReportingIncluded on every plan, from Free to EnterpriseAdd-on module, third-party vendor, or not available
Who does the workAI contacts, converses, negotiates, and collects; humans handle exceptionsAgents on a dialer working whatever fits in the day
ComplianceEvery contact checked against FDCPA, TCPA, Reg F, and state law before it happensTraining, scripts, and audits after the fact
ChannelsSMS, email, AI voice, letters, and a self-service portal chosen per debtorPhone calls and letters on a fixed schedule
CoverageEvery account worked, including small balancesLarge balances worked; the rest ages out
VisibilityEvery message, transcript, promise, and payment live in your dashboardA monthly PDF report
CostFree to $649 a month plus 3% to 26% commission; Enterprise custom25% to 50% contingency, or seats plus modules plus services

Pricing

Start free. Pay only on what you recover.

Credit Reporting is included on every plan. Start at $0 a month with 50 active collections, and move up as your portfolio grows. Commission falls from 26% on Free to 3% on Enterprise, and it is charged only on money actually recovered.

Enterprise: unlimited collections, seats, SMS, voice, and email with a 3% commission, SOC 2 reports, DPA, and dedicated support.

Start freeFull pricing
$0
Free

50 active collections · 26% commission · 1 seat

$149
Basic, per month

250 active collections · 15% commission · 3 seats

$349
Growth, per month

1,000 active collections · 10% commission · 10 seats

$649
Scale, per month

5,000 active collections · 6.5% commission · 25 seats

Everything included

One platform covers all of it

Credit Reporting is one part of the platform. Every HL Hunt plan, from Free to Enterprise, includes the full collections stack, so you never bolt on a second vendor as your portfolio grows.

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Get started

Go live with Credit Reporting today

Create a free account, upload your first accounts, and AI outreach begins within the hour. No credit card, no contract, no implementation project. Here is what to have ready.

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Prefer to talk first? info@hlhunt.org

  1. 01A CSV or system export of delinquent accounts: name, contact details, balance, and itemization
  2. 02Consent and contact-preference data you hold for phone numbers and email addresses
  3. 03Your legal entity, any collection licenses you hold, and the states you collect in
  4. 04Brand assets and tone preferences for outreach in your name
  5. 05Settlement authority and payment plan rules you want the AI to follow

Credit Reporting FAQ

Do I have to report to the credit bureaus?

No. Credit reporting is optional and off by default. Many creditors and agencies choose not to furnish, and the platform never reports unless you enable it for a portfolio.

How are medical debts handled?

The platform applies the bureau policies excluding paid medical collections, medical debts under $500, and medical debts less than a year old, plus any stricter state or federal rules in effect, so excluded accounts are never furnished.

What happens when a debtor disputes with a bureau?

e-OSCAR ACDVs are routed into the disputes workflow with the 30-day deadline tracked, the investigation documented, and the response and any correction sent back through e-OSCAR.

Does HL Hunt have a data furnisher agreement with the bureaus?

You furnish under your own agreements as the data furnisher. HL Hunt generates and validates the files and manages the workflow; transmission uses your credentials.

Still have questions?

Talk to a collections specialist, or start free and see the platform for yourself.

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Start recovering more today.

Create a free account, upload your first accounts, and compliant AI outreach begins within the hour. Pay commission only on what you recover.

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