Metro2 by Switch Labs vs CredHub
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 by Switch Labs supports any tradeline type starting at $19/month with full transparency.
Metro2 by Switch Labs
Modern, cloud-based Metro 2 credit reporting software
CredHub
CredHub is an independent rent payment credit reporting platform (founded by Steve Jarvis and Chris Dukelow, raised $525...
Pricing Comparison
Flat-rate pricing. No per-account fees. Month-to-month billing with no long-term contracts.
Residents pay as low as $2/month; property managers pay a $50/month or $500/year management fee. Three plan tiers: Basic (single bureau, positive-only), Complete (three bureau, positive and negative), and Custom (full-file with collections reporting). CRaaS API pricing requires a sales consultation. 50-unit minimum to get started.
Feature-by-Feature Comparison
See how Metro2 by Switch Labs stacks up against CredHub across key capabilities.
| Feature | Metro2 by Switch Labs | 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 |
Try Metro2 by Switch Labs today
Generate your first Metro 2 file in minutes. Plans start at $19/month.
CredHub: Pros & Cons
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
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 by Switch Labs 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
Frequently Asked Questions
Common questions about Metro2 by Switch Labs and credit reporting
Ready to switch from CredHub?
See why businesses are choosing Metro2 by Switch Labs for their credit reporting needs. Plans start at $19/month.