Send your inventory once. We watch it against the enrollment network continuously — and the moment an account enters a debt settlement program, you know: the account, the company, and the date. Enrollments stop being something you discover months later in charge-off data.
Your book arrives over the secured channels and is hashed on arrival. New originations and purchases join the watch the same way, whenever they land.
Your inventory is checked continuously against a network refreshed as often as daily. Nothing to resubmit, no monthly file to remember to send.
When an account’s status changes, the event is reported with the company named and the effective date — in time to shape the next Metro 2 file, not the one after.
Before each file is generated, monitoring rolls up into one summary: how many accounts carry a verified enrollment, what changed since last cycle, and which DS decisions the coming file needs. Pair it with file review and the corrections package mostly confirms decisions you have already seen — the two services are designed to run together.
Analysis comes with every cycle: enrollment rate across the book, the enrolled-vs-dropped split, and the settlement companies holding your accounts, ranked.
Enrollment is invisible in the tradeline until the consumer stops paying — and by then the account has been worked, priced, and reported as something it is not.
TransUnion’s research on debt settlement consumers found about half were current on their accounts at enrollment, with credit scores close to their pre-enrollment levels. The tradeline only tells the story later, as payments stop and scores fall. A monitoring watch answers the question while the answer is still useful.
CDIA’s guidance is to report DS on all applicable accounts at the same financial institution. A consumer enrolled with three of your products is one enrollment event. Monitoring sees it once, across the book — sampling a single portfolio cannot.
Continuously, against a network refreshed as often as daily. Status events are reported as they are confirmed, and every cycle closes with a readiness summary.
The account, the change (entered settlement, settlement reached, completed, dropped out), the settlement company, the effective or dropped date, the evidence grade, and the as-of date.
It is priced into your plan: monitored inventory counts toward your volume, under the same rate structure as file review. How pricing works.
Start with a mutual NDA and one file. We review the file you are about to transmit, hand back the corrections with the evidence behind each one, and you decide what reports.
Get Started