Metro2 by Switch Labs 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 by Switch Labs 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 by Switch Labs — Credco will not help.
Metro2 by Switch Labs
Modern, cloud-based Metro 2 credit reporting software
CoreLogic Credco
CoreLogic Credco (parent company rebranded to Cotality in March 2025) is the nation's largest provider of merged tri-bur...
Pricing Comparison
Flat-rate pricing. No per-account fees. Month-to-month billing with no long-term contracts.
Merged credit report (individual or joint): $104.85 as of January 2025 (increased 31% from $79.80 in 2024). Pricing distributed to lender partners. Credco processes 90+ million credit transactions annually.
Feature-by-Feature Comparison
See how Metro2 by Switch Labs stacks up against CoreLogic Credco across key capabilities.
| Feature | Metro2 by Switch Labs | CoreLogic 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 |
Try Metro2 by Switch Labs today
Generate your first Metro 2 file in minutes. Plans start at $19/month.
CoreLogic Credco: Pros & Cons
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
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 by Switch Labs
- Completely different tools — Credco pulls reports FROM bureaus; Metro2 by Switch Labs submits data TO bureaus
- If you need to furnish credit data, Credco is irrelevant — you need Metro 2 software
- Metro2 by Switch Labs works for any lending type; Credco is exclusively for mortgage
- Metro2 by Switch Labs starts at $19/month for credit reporting; Credco charges $104.85 per credit pull
Frequently Asked Questions
Common questions about Metro2 by Switch Labs and credit reporting
Ready to start reporting to credit bureaus?
Metro2 by Switch Labs makes it easy to generate Metro 2 files and submit to all three bureaus. Plans start at $19/month.