Metro 2 Software Alternatives & Comparisons

    Compare Metro2 with other credit reporting solutions. See detailed feature comparisons, pricing differences, and find out which solution is right for your business.

    20 comparisons available

    Why Businesses Switch to Metro2

    Transparent Pricing

    No hidden fees or complex pricing structures

    Modern API

    REST API designed for easy integration

    Real-time Validation

    Catch errors before submission

    No Long-term Contracts

    Month-to-month flexibility

    Available Comparisons

    vs

    Metro2 vs The Service Bureau

    TSB's Credit Manager is a reliable legacy desktop application with a 30+ year track record, but its $599–$2,999/year pricing, desktop-only deployment, and lack of API or cloud capabilities make it poorly suited for modern businesses. Metro2 offers cloud access, API automation, and automated bureau delivery starting at just $19/month.

    Established, high-volume data furnishers with Windows infrastructure who value a long track record$599–$2,999/year (first year)
    vs

    Metro2 vs Hutchins Systems

    Hutchins Systems offers unmatched bureau support and deep Metro 2 expertise, but their confusing product lineup, inconsistent pricing, and desktop limitations make evaluation difficult. Metro2 delivers a clearer value proposition with transparent pricing, full API documentation, and automated bureau delivery — all in a single cloud platform starting at $19/month.

    Data furnishers needing alternative bureau support (Clarity, MicroBilt/PRBC) or stacking services for small portfolios$49–$129/month (cloud) or $495–$595/year (desktop)
    vs

    Metro2 vs M2 Reporter

    M2 Reporter wins on price — at $150/year for renewal, nothing else comes close for raw cost. But the tradeoff is significant: no cloud access, no API, no automation, and a dated desktop-only experience. Metro2's Starter plan at $19/month ($228/year) costs only $78 more annually while adding cloud access, a modern interface, drag-and-drop mapping, and automatic updates — making it the better value for most businesses.

    Very small data furnishers on a tight budget who use Windows and do not need API access or automation$375–$625/year (first year)
    vs

    Metro2 vs Data Furnishing

    Data Furnishing Technologies and Metro2 serve fundamentally different markets. Data Furnishing is a credit-building platform where they handle furnishing on your behalf — ideal for credit repair consultants. Metro2 gives you direct control over your Metro 2 file generation and bureau submissions — ideal for businesses that are (or want to become) data furnishers. If you need to control your own reporting, Metro2 is the clear choice.

    Credit repair entrepreneurs, credit-building consultants, and businesses that want to offer credit-building products without becoming data furnishers themselves$1,499/year
    vs

    Metro2 vs e-OSCAR

    e-OSCAR is a dispute resolution platform, not a Metro 2 credit reporting solution. Data furnishers need both: Metro2 for generating and submitting Metro 2 format files to credit bureaus, and e-OSCAR for responding to consumer disputes about that data. They serve complementary purposes and are both required for FCRA-compliant data furnishing.

    All data furnishers — enrollment is mandatory for furnishing to the credit bureaus$90 registration + $0.34/dispute
    vs

    Metro2 vs DataX

    DataX is a credit bureau that receives furnished data — it is not software for generating Metro 2 files. They sit on opposite sides of the data pipeline: Metro2 helps you create and submit Metro 2 files, while DataX/Equifax is one of the bureaus you can submit those files to. You would use Metro2 to generate your files and potentially submit them to DataX as an additional bureau alongside Equifax, Experian, and TransUnion.

    Specialty finance lenders, rent-to-own businesses, and subprime lenders who want to pull alternative credit dataEnterprise pricing (contact Equifax)
    vs

    Metro2 vs MicroBilt

    MicroBilt is a credit bureau that accepts Metro 2 data from furnishers — not a tool for creating Metro 2 files. To report data to MicroBilt, you first need Metro 2 reporting software to generate your files. Metro2 by Switch Labs generates the files; MicroBilt (and other bureaus like M2 Reporter and Hutchins also support MicroBilt) can be one of the destinations you submit to.

    Subprime lenders, short-term lenders, collections agencies, property managers, and background screening companiesPer-inquiry and subscription-based (contact for pricing)
    vs

    Metro2 vs CoreLogic Credco

    CoreLogic Credco (now Cotality) operates on the opposite side of the credit ecosystem from Metro 2 furnishing. They pull credit reports FROM bureaus for mortgage lenders; Metro2 helps businesses submit data TO bureaus. These are entirely different tools for entirely different purposes. If you need to report tradeline data, you need Metro 2 software like Metro2 — Credco will not help.

    Mortgage lenders, mortgage brokers, and banks (exclusively mortgage industry)$104.85 per merged credit report (2025 fee)
    vs

    Metro2 vs Bloom Credit

    Bloom Credit is a well-funded credit data infrastructure company that excels at API-based furnishment for enterprise fintechs — but it is not self-service software. There is no web UI, no CSV upload, no public pricing, and no way to get started without a sales call and custom contract. Metro2 by Switch Labs is purpose-built for businesses that want direct, self-service control over their Metro 2 files with transparent pricing starting at $19/month.

    Fintechs, banks, credit unions, and enterprise lending platforms building credit-forward products that need API-based bureau integrationCustom enterprise pricing (contact sales)
    vs

    Metro2 vs Array

    Array is a full-service embedded finance platform where data furnishing is one managed module among many. They handle Metro 2 conversion and bureau submission on your behalf — you never touch a Metro 2 file. This is ideal for large institutions wanting a hands-off approach, but it means you have no direct control over your data or files. Metro2 by Switch Labs gives you complete self-service control over your Metro 2 reporting at a fraction of the cost.

    Financial institutions, fintechs, and large digital brands that want embedded credit tools and managed data furnishing as part of a broader platformCustom enterprise pricing (contact sales)
    vs

    Metro2 vs CRS Credit API

    CRS Credit API is a well-established credit data platform, but their data furnishing product is still listed as 'Coming Soon' — making it a risky choice for businesses that need Metro 2 reporting today. Their minimum $100/month platform fee and sales-driven onboarding process also put them out of reach for smaller furnishers. Metro2 by Switch Labs is purpose-built for Metro 2 file generation with a self-service web UI, transparent pricing starting at $19/month, and no sales calls required to get started.

    Fintech companies, BNPL providers, consumer and commercial lenders, tenant screening services, and credit unions that primarily need to pull credit reports — with data furnishing as a secondary capability$100–$250/month (platform access)
    vs

    Metro2 vs LendFoundry

    LendFoundry is a full-stack enterprise lending platform where Metro 2 reporting is just one module within a much larger system. If you need a complete loan origination and servicing platform with credit reporting built in, LendFoundry is a strong option — but at $1,500+/month with multi-week deployment, it is massive overkill for businesses that simply need to generate and submit Metro 2 files. Metro2 by Switch Labs is purpose-built for Metro 2 reporting at a fraction of the cost, with self-service signup and same-day onboarding.

    Enterprise fintech lenders, alternative lenders, and mid-to-large financial institutions that need a full digital lending platform with integrated credit bureau reportingStarting at $1,500/month (enterprise, custom pricing)
    vs

    Metro2 vs Nortridge

    Nortridge is a full-featured loan management system where Metro 2 reporting is just one module among many. At $1,140+/month, it makes sense for organizations that need the entire loan servicing platform — but it is massive overkill for businesses that simply need to generate and submit Metro 2 files. Metro2 by Switch Labs offers purpose-built Metro 2 reporting with real-time validation, drag-and-drop CSV mapping, and automated bureau delivery starting at $19/month.

    Mid-to-large lending enterprises including auto finance, commercial lenders, CDFIs, consumer lenders, and specialty finance companiesStarting at $1,140/month
    vs

    Metro2 vs The Mortgage Office

    The Mortgage Office is a full loan management platform where Metro 2 credit reporting is one module among many — you cannot purchase it separately. This makes TMO a poor fit for businesses that only need Metro 2 reporting capabilities. Metro2 by Switch Labs is purpose-built for credit reporting: it starts at $19/month, requires no loan servicing platform, and gives you direct control over Metro 2 file generation with a REST API, drag-and-drop CSV mapping, and automated SFTP delivery.

    Private lenders, hard-money lenders, municipalities, non-profits, and mid-to-large lending organizations that need full loan lifecycle management with credit reporting as one componentCustom quote (contact sales)
    vs

    Metro2 vs IvyTek

    IvyTek is a full loan management system with Metro 2 reporting as one feature among many — ideal for CDFIs that need the complete lending stack on Salesforce. For organizations that only need Metro 2 credit bureau reporting, IvyTek's $725+/month minimum (plus Salesforce licensing) is dramatically more expensive than necessary. Metro2 by Switch Labs delivers focused Metro 2 file generation, validation, and bureau delivery starting at $19/month with no Salesforce dependency.

    CDFIs, nonprofit lenders, tribal lenders, and non-bank lenders already using Salesforce who need a full loan management system with credit reporting built in$145–$165/user/month (5-user minimum)
    vs

    Metro2 vs DataLinx

    DataLinx LLC is a managed credit reporting service, not self-service software. They convert your data and submit it for you — which is convenient but means you have no direct control over your Metro 2 files, no dashboard, no API, and no visibility into the process. Metro2 by Switch Labs gives you full control with a modern web interface, REST API, real-time validation, and automated bureau delivery — all starting at $19/month with transparent pricing published on the website.

    Small businesses below bureau account minimums (BHPH auto dealers, property managers, collection agencies, HOAs, utility companies) who want someone else to handle Metro 2 conversion and bureau submissionContact for pricing (not published)
    vs

    Metro2 vs Credit Builders Alliance

    CBA Reporter is a managed service built exclusively for nonprofits, while Metro2 by Switch Labs is a self-service SaaS platform open to any data furnisher. CBA handles everything from data conversion to bureau submission on your behalf, which is ideal for nonprofits without technical staff — but it comes with annual commitments starting at $2,895/year and no direct control over your Metro 2 files. Metro2 gives you a modern web UI, REST API, real-time validation, and automated SFTP delivery starting at $19/month with no long-term contract.

    501(c)(3) nonprofit lenders, CDFIs, tribal entities, credit unions, and municipal lenders focused on serving low-to-moderate income borrowers$2,895–$3,895+/year
    vs

    Metro2 vs Esusu

    Esusu is a managed rent reporting platform — not Metro 2 reporting software. Property managers never touch Metro 2 files; Esusu handles everything behind the scenes. This is ideal for large multifamily operators who only need rent data reported, but it offers zero flexibility for businesses that need to report loans, collections, or other tradeline types. Metro2 by Switch Labs gives you full control over your Metro 2 files for any tradeline type, starting at $19/month with no setup fee.

    Multifamily property owners/operators, affordable housing providers, banks and fintechs seeking embedded rent reporting, and individual renters$3,500 setup + $2.50/unit/month (property managers); $10/month (individual renters)
    vs

    Metro2 vs Boom

    Boom is a specialized rent reporting platform that handles Metro 2 furnishment as a managed service, while Metro2 by Switch Labs is a self-service tool that puts you in full control of your Metro 2 file generation and bureau submissions. Boom is ideal if you only need rent payment reporting and want someone else to handle the compliance complexity. However, if you need to report any data type beyond rent, want to own your data furnisher relationship with the bureaus, or need direct access to your Metro 2 files, Metro2 is the more flexible and cost-effective choice.

    Property management software companies, fintechs, and property managers looking to embed rent reporting into their platformsFrom $2/renter/month for property managers; custom API pricing for platform partners
    vs

    Metro2 vs CredHub

    CredHub is a fully managed rent reporting service — they handle everything from Metro 2 formatting to bureau delivery and dispute resolution on your behalf. This is fundamentally different from Metro2 by Switch Labs, which gives you direct control over your Metro 2 files, validation, and submissions. CredHub is rent-only with a 50-unit minimum and opaque pricing, while Metro2 supports any tradeline type starting at $19/month with full transparency.

    Property managers with 50+ units, multifamily housing platforms, and software developers building rent reporting into fintech or PropTech productsCustom/contact sales (per-unit model)

    Looking for an Alternative?

    If you're searching for a Metro 2 credit reporting alternative, you're likely evaluating options based on:

    • Pricing transparency — Many legacy providers have complex fee structures with setup costs, monthly minimums, and per-transaction fees.
    • Modern technology — Older platforms often lack API access or require manual file uploads.
    • Contract flexibility — Long-term commitments can lock you into solutions that don't fit your needs.
    • Support quality — Generic support teams may not understand Metro 2 format nuances.

    Metro2 was built to address these pain points. We offer transparent pricing, a modern cloud platform with REST API, no long-term contracts, and dedicated support from Metro 2 experts.

    Ready to make the switch?

    Start your free trial today. No credit card required, no long-term commitment.

    View PricingLearn More