Comparison
Metro2 vs Array: Full Comparison
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
Modern, cloud-based Metro 2 reporting
Transparent pricing
No long-term contracts
Modern REST API
Free trial available
Array
Array is an embedded finance platform that provides white-label credit monitoring, identity protecti...
Pricing:Custom enterprise pricing (contact sales)
Target:Financial institutions, fintechs, and large digital brands that want embedded credit tools and managed data furnishing as part of a broader platform
Feature Comparison
| Feature | Metro2 | 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 |
Array 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
Array 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 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
Other Comparisons
Ready to switch from Array?
See why businesses are choosing Metro2 for their credit reporting needs. Start with a free trial—no credit card required.