Metro2 by Switch Labs 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.
Metro2 by Switch Labs
Modern, cloud-based Metro 2 credit reporting software
Array
Array is an embedded finance platform that provides white-label credit monitoring, identity protection, and data furnish...
Feature-by-Feature Comparison
See how Metro2 by Switch Labs stacks up against Array across key capabilities.
| Feature | Metro2 by Switch Labs | Array |
|---|---|---|
Metro 2 Format Generation Generate compliant Metro 2 format files for credit bureau submission | Managed service — Array converts your data to Metro 2 on your behalf | |
All Three Bureaus Submit to Experian, Equifax, and TransUnion | Plus Innovis (4 total) via Datalinx | |
Real-time Validation Instant validation of data before submission | CRRG-aligned validation engine | Handled internally as part of managed service |
API Access REST API for programmatic integration | Full REST API from $29/mo | Embedded SDKs and API for credit products; data furnishing is managed |
Bulk Upload Upload multiple accounts via CSV or Excel | Drag-and-drop field mapping | Not a self-service file tool — you provide raw data, Array processes it |
Error Correction Built-in tools to fix rejected records | Live editor with bulk updates | Handled by Array's team — no self-serve editing |
Audit Trail Complete history of all submissions and changes | Client Console with reporting and analytics | |
Modern UI Clean, intuitive user interface | Modern embeddable components and client console | |
No Long-term Contract Month-to-month billing without commitment | Cancel anytime | Enterprise agreements typically required |
Transparent Pricing Clear pricing without hidden fees | Published on website | No public pricing — requires sales call |
Automated Bureau Delivery Automated SFTP delivery to credit bureaus on a schedule | Included from SMB plan ($29/mo) | Fully managed — Array handles all bureau submissions |
Dedicated Support Direct access to support team | FCRA-trained experts, dispute management included |
Try Metro2 by Switch Labs today
Generate your first Metro 2 file in minutes. Plans start at $19/month.
Array: Pros & Cons
Pros
- Full-service data furnishing — Array handles Metro 2 conversion, bureau submission, and dispute management for you
- Reports to all four major bureaus: Equifax, Experian, TransUnion, and Innovis
- FCRA-trained dispute management experts handle consumer disputes on your behalf
- Part of a broader embedded finance platform with credit monitoring, identity protection, and offers engine
- Nearly 20 years of data furnishing experience through Datalinx subsidiary
Cons
- Not self-service — you cannot generate or control your own Metro 2 files
- No public pricing — requires sales consultation for any cost information
- Enterprise-oriented platform with 6-12 week deployment timeline
- Data furnishing is just one module within a much larger platform — overkill if you only need Metro 2 reporting
- No self-serve UI for viewing, editing, or validating Metro 2 records directly
When to Choose Array
- 1Financial institutions and fintechs that want a full-service embedded credit platform, not just Metro 2 software
- 2Organizations that want someone else to handle Metro 2 conversion, bureau relationships, and dispute management entirely
- 3Large-scale operations where data furnishing is one piece of a broader credit monitoring and engagement strategy
Why Choose Metro2 by Switch Labs Over Array
- Full control over your Metro 2 files — edit, validate, and submit directly instead of relying on a managed service
- Transparent pricing starting at $19/month vs. undisclosed enterprise pricing requiring a sales call
- Self-service from day one — no 6-12 week implementation or enterprise onboarding process
- Purpose-built for Metro 2 reporting vs. a data furnishing module buried within a broader platform
Frequently Asked Questions
Common questions about Metro2 by Switch Labs and credit reporting
Ready to switch from Array?
See why businesses are choosing Metro2 by Switch Labs for their credit reporting needs. Plans start at $19/month.