Comparison
Metro2 vs CredHub: Full Comparison
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.
Metro2
Modern, cloud-based Metro 2 reporting
Transparent pricing
No long-term contracts
Modern REST API
Free trial available
CredHub
CredHub is a rent payment credit reporting platform that automatically reports tenants' rental payme...
Pricing:Custom/contact sales (per-unit model)
Target:Property managers with 50+ units, multifamily housing platforms, and software developers building rent reporting into fintech or PropTech products
Feature Comparison
| Feature | Metro2 | CredHub |
|---|---|---|
Metro 2 Format Generation Generate compliant Metro 2 format files for credit bureau submission | Handled internally — users never see or control Metro 2 files | |
All Three Bureaus Submit to Experian, Equifax, and TransUnion | Plus Innovis (4 total) | |
Real-time Validation Instant validation of data before submission | CRRG-aligned validation engine | Internal validation with rental logic checks — not user-facing |
API Access REST API for programmatic integration | Full REST API from $29/mo | CRaaS API for developers; no public documentation or self-serve access |
Bulk Upload Upload multiple accounts via CSV or Excel | Drag-and-drop field mapping | Data extracted from PMS integrations — no manual CSV/file upload |
Error Correction Built-in tools to fix rejected records | Live editor with bulk updates | Handled by CredHub internally — no self-service error editing |
Audit Trail Complete history of all submissions and changes | Client portal for viewing resident data; furnishment statistics provided | |
Modern UI Clean, intuitive user interface | Clean client portal for property managers | |
No Long-term Contract Month-to-month billing without commitment | Cancel anytime | Contract terms not disclosed; annual pricing options suggest commitments |
Transparent Pricing Clear pricing without hidden fees | Published on website | No pricing published — contact sales required for all plans |
Automated Bureau Delivery Automated SFTP delivery to credit bureaus on a schedule | Included from SMB plan ($29/mo) | Fully managed — CredHub handles all bureau submissions |
Dedicated Support Direct access to support team | Dedicated customer success manager on Complete plan |
CredHub Pros
- Fully managed service — handles Metro 2 formatting, bureau submission, FCRA compliance, and dispute management
- Reports to 4 bureaus: Equifax, TransUnion, Experian, and Innovis
- CRaaS API with headless architecture lets developers embed credit reporting without building bureau infrastructure
- Most CRaaS partners launch in under 30 days with sandbox and production environments
- 99.99% furnishment uptime with closed-loop read verification post-furnishment
- Integrates with 15+ property management systems (Yardi, RealPage, Entrata, Buildium, AppFolio, etc.)
- Handles bureau audits and e-OSCAR dispute resolution on your behalf
CredHub Cons
- No self-service Metro 2 file generation — you cannot create, inspect, or download your own Metro 2 files
- 50-unit minimum makes it inaccessible for small landlords or non-housing data furnishers
- No transparent pricing — must contact sales for quotes on all plans
- Exclusively focused on rent reporting — cannot report auto loans, personal loans, collections, or other tradeline types
- 3-6 week setup timeline before reporting begins (tradeline establishment with bureaus)
When to Choose CredHub
- 1Property managers with 50+ units who want fully managed rent reporting without touching Metro 2 files
- 2Software platforms that want to embed rent reporting via API without building bureau infrastructure
- 3Multifamily housing companies focused exclusively on rental payment credit reporting
Why Choose Metro2 Over CredHub
- Full control over your Metro 2 files — inspect, edit, validate, and download your own data
- Report any tradeline type (loans, collections, rent, BNPL, etc.) — not limited to rent payments
- Transparent pricing starting at $19/month vs. opaque contact-sales model with 50-unit minimums
- Self-service from day one — no 3-6 week setup or tradeline establishment wait
- REST API with documentation from $29/month vs. undocumented CRaaS requiring sales consultation
- Month-to-month billing with no minimums vs. per-unit pricing with portfolio size requirements
Other Comparisons
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