Comparison

    Metro2 vs CoreLogic Credco: Full Comparison

    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.

    Metro2

    Modern, cloud-based Metro 2 reporting

    Transparent pricing
    No long-term contracts
    Modern REST API
    Free trial available

    CoreLogic Credco

    CoreLogic Credco (parent company rebranded to Cotality in March 2025) is the nation's largest provid...

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

    Feature Comparison

    FeatureMetro2CoreLogic Credco
    Metro 2 Format Generation
    Generate compliant Metro 2 format files for credit bureau submission
    Not a furnishing tool — pulls reports FROM bureaus
    All Three Bureaus
    Submit to Experian, Equifax, and TransUnion
    Pulls FROM all three — does not submit TO them
    Real-time Validation
    Instant validation of data before submission
    CRRG-aligned validation engine
    API Access
    REST API for programmatic integration
    Full REST API from $29/mo
    For pulling credit reports, not furnishing
    Bulk Upload
    Upload multiple accounts via CSV or Excel
    Drag-and-drop field mapping
    Error Correction
    Built-in tools to fix rejected records
    Live editor with bulk updates
    Audit Trail
    Complete history of all submissions and changes
    For credit report pulls
    Modern UI
    Clean, intuitive user interface
    No Long-term Contract
    Month-to-month billing without commitment
    Cancel anytime
    Transparent Pricing
    Clear pricing without hidden fees
    Published on website
    Automated Bureau Delivery
    Automated SFTP delivery to credit bureaus on a schedule
    Included from SMB plan ($29/mo)
    Dedicated Support
    Direct access to support team

    CoreLogic Credco Pros

    • Dominant provider of tri-merge credit reports for mortgage
    • Inventor and patent holder of the tri-merge report format
    • Integrated with 80+ loan origination systems and point-of-sale platforms
    • 99.9% uptime SLA
    • Processing 90+ million credit transactions annually

    CoreLogic Credco Cons

    • NOT a Metro 2 reporting tool — completely unrelated to data furnishing
    • Exclusively serves the mortgage industry — not useful for other lending types
    • Pulls reports FROM bureaus — opposite side of the pipeline from Metro 2 furnishing
    • Significant price increase in 2025 (31% year over year)
    • No relevance to businesses that need to report data TO credit bureaus

    When to Choose CoreLogic Credco

    • 1Mortgage lenders who need tri-merge credit reports for underwriting
    • 2Companies deep in the mortgage lending ecosystem

    Why Choose Metro2 Over CoreLogic Credco

    • Completely different tools — Credco pulls reports FROM bureaus; Metro2 submits data TO bureaus
    • If you need to furnish credit data, Credco is irrelevant — you need Metro 2 software
    • Metro2 works for any lending type; Credco is exclusively for mortgage
    • Metro2 starts at $19/month for credit reporting; Credco charges $104.85 per credit pull

    Other Comparisons

    vsThe Service BureauvsHutchins SystemsvsM2 ReportervsData Furnishingvse-OSCARvsDataXvsMicroBiltvsBloom CreditvsArrayvsCRS Credit APIvsLendFoundryvsNortridgevsThe Mortgage OfficevsIvyTekvsDataLinxvsCredit Builders AlliancevsEsusuvsBoomvsCredHub

    Ready to switch from CoreLogic Credco?

    See why businesses are choosing Metro2 for their credit reporting needs. Start with a free trial—no credit card required.

    View PricingLearn More