Metro 2 Credit Reporting Software

    The modern, cloud-based platform for Metro 2 compliance, validation, and bureau submission. Starting at $19/mo.

    Trusted by lenders, servicers, and fintechs nationwide

    10M+
    Records Processed
    500+
    Companies Served
    99.9%
    Uptime SLA
    4
    Bureau Compatible

    What Is Metro 2 Credit Reporting?

    Metro 2 is the standardized data format used by creditors, lenders, and data furnishers to report consumer payment history to the three major credit bureaus — Equifax, Experian, and TransUnion. Maintained by the Consumer Data Industry Association (CDIA), the Metro 2 format replaced the older Metro format and defines exactly how account information, payment history, and consumer details must be structured for bureau submission.

    Every organization that reports consumer credit data — from banks and credit unions to fintech lenders, BNPL providers, and debt collectors — must generate Metro 2 compliant files to submit to the bureaus. This process involves mapping internal loan and payment data to over 100 Metro 2 fields across base segments, J1/J2 segments for associated consumers, and K-segments for additional account details.

    Switch Labs is a cloud-based Metro 2 software platform that automates the entire credit reporting process. Instead of manually formatting files or relying on legacy desktop software, our platform handles data mapping, bureau-grade validation, compliant file generation, and secure SFTP delivery to all three bureaus. Plans start at $19/month — a fraction of what legacy providers charge.

    Metro 2 Credit Reporting Software Features

    Everything you need for Metro 2 compliance: data mapping, validation, live editing, file generation, bureau delivery, and audit trails — across US and Canada.

    Bureau‑Grade Validation

    Catch errors before submission with the same checks bureaus use—prevent rejections and rework.

    Cloud + API + SFTP

    Browser app, REST API, and automated SFTP jobs. Build fully automated credit reporting pipelines.

    Live Editor & Bulk Updates

    Edit records inline or perform safe bulk changes with complete audit trails.

    One-Click File Generation

    Generate compliant Metro 2 files instantly. No manual formatting or field-level debugging.

    Enterprise Security

    SOC 2 Type II compliant infrastructure with AES-256 encryption at rest and in transit.

    FCRA Dispute Management

    End-to-end consumer dispute tracking with automated 30-day deadlines and compliance documentation.

    M2
    Metro2 Dashboard
    credit_report_nov2024.csv
    Processing
    1,247 records
    Account #
    Consumer Name
    Status
    Result
    4829-1847
    Johnson, Michael R.
    Current
    Valid
    4829-2291
    Williams, Sarah K.
    Paid
    Valid
    4829-3384
    Chen, David L.
    Delinquent
    1 Error
    4829-4472
    Martinez, Ana M.
    Current
    Warning
    4829-5591
    Thompson, James W.
    Current
    Valid
    1,243 Valid
    3 Errors
    1 Warning
    99.7% Pass Rate

    Metro 2 Compliance Validation Built‑In

    Our scanner mirrors bureau validations to catch Metro 2 errors before submission — preventing rejects and rework.

    • Automated compliance checks against latest Metro 2 specifications
    • REST API, SFTP watchers, and CSV/Excel/JSON import
    • Role-based access control for team management
    • Comprehensive audit logs and change history on every record
    • Full FCRA dispute management with 30-day deadline tracking
    • Configurable webhooks with HMAC-signed payloads

    Metro 2 Software: Cloud vs Legacy Desktop

    See how Switch Labs compares to legacy Metro 2 desktop software

    FeatureSwitch LabsLegacy Desktop
    Cloud-Based Platform
    Automatic Updates
    Role-Based Access
    Monthly Pricing$19+/mo$$$
    Local Software Install
    API Integration
    Automated SFTP Jobs
    Drag‑and‑Drop Mapping
    Live Record Editor
    Bureau‑Grade Validation
    US & Canada Support

    What Our Clients Say

    Sarah Johnson

    “Switch Labs reduced our reporting time from days to minutes. We've seen a 95% reduction in bureau rejections since switching.”

    Sarah Johnson

    CTO, NextGen Finance

    Michael Chen

    “The validation engine caught errors our legacy system missed for years. It's been invaluable for our compliance team.”

    Michael Chen

    Compliance Director, Pacific Credit Union

    Rebecca Martinez

    “Onboarding was seamless—our team was fully operational in under two days. The support has been exceptional.”

    Rebecca Martinez

    Operations Manager, Horizon Lending

    Simple, Transparent Pricing

    Choose the plan that's right for your business.

    Starter

    $19/month

    Perfect for small lenders

    • Up to 100 records/month
    • CRRG‑aligned validation
    • Drag‑and‑drop mapping
    • Single user access
    Most Popular

    SMB

    $29/month

    For growing businesses

    • Up to 1,000 records/month
    • API + automated SFTP
    • Live editor & bulk updates
    • Up to 5 user accounts

    Corporate

    $49/month

    For large organizations

    • Up to 10,000 records/month
    • Advanced API + webhooks
    • US & Canada support
    • Unlimited user accounts

    Enterprise

    For high-volume operations that need custom solutions. Get unlimited records, tailored integrations, and dedicated support.

    • Unlimited records
    • Custom data mapping
    • Custom integrations
    • Dedicated account manager
    • SLA & priority support

    Security & Compliance

    Your sensitive data is protected with enterprise‑grade security

    SOC 2 Type II

    Independently audited security controls

    AES-256 Encryption

    Data encrypted at rest and in transit

    CRRG‑Aligned Validation

    Scanner mirrors bureau checks to prevent rejects

    Switch Labs uses industry‑leading security practices to safeguard your sensitive data. All personally identifiable information (PII) is encrypted using AES-256 encryption, and our platform undergoes regular security audits and penetration testing to ensure your data remains protected.

    For Platform Companies

    Building a Loan Servicing, Collections, or Fintech Platform?

    Embed Metro 2 reporting into your product with our white-label API. Your brand, our engine. We handle the bureau complexity so you don't have to.

    Ready to simplify Metro 2 reporting?

    Join hundreds of financial institutions already streamlining their credit reporting process with Switch Labs.

    Metro 2 Software FAQ

    Common questions about Metro 2 credit reporting and Switch Labs