Comparison

    Metro2 vs CRS Credit API: Full Comparison

    CRS Credit API is a well-established credit data platform, but their data furnishing product is still listed as 'Coming Soon' — making it a risky choice for businesses that need Metro 2 reporting today. Their minimum $100/month platform fee and sales-driven onboarding process also put them out of reach for smaller furnishers. Metro2 by Switch Labs is purpose-built for Metro 2 file generation with a self-service web UI, transparent pricing starting at $19/month, and no sales calls required to get started.

    Metro2

    Modern, cloud-based Metro 2 reporting

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

    CRS Credit API

    CRS Credit API, founded in 2019 as a subsidiary of Credit Reporting Services, Inc. (established 2006...

    Pricing:$100–$250/month (platform access)
    Target:Fintech companies, BNPL providers, consumer and commercial lenders, tenant screening services, and credit unions that primarily need to pull credit reports — with data furnishing as a secondary capability

    Feature Comparison

    FeatureMetro2CRS Credit API
    Metro 2 Format Generation
    Generate compliant Metro 2 format files for credit bureau submission
    Via API only — listed as 'Coming Soon' on website
    All Three Bureaus
    Submit to Experian, Equifax, and TransUnion
    Equifax, Experian, and TransUnion via unified API
    Real-time Validation
    Instant validation of data before submission
    CRRG-aligned validation engine
    Pre-submission format and PII validation
    API Access
    REST API for programmatic integration
    Full REST API from $29/mo
    RESTful JSON API with SDKs in multiple languages
    Bulk Upload
    Upload multiple accounts via CSV or Excel
    Drag-and-drop field mapping
    No drag-and-drop CSV mapping — API integration required
    Error Correction
    Built-in tools to fix rejected records
    Live editor with bulk updates
    e-OSCAR integration for dispute handling
    Audit Trail
    Complete history of all submissions and changes
    Immutable logs with checksums and timestamps
    Modern UI
    Clean, intuitive user interface
    No self-service furnishing dashboard — web portal is for credit pulls only
    No Long-term Contract
    Month-to-month billing without commitment
    Cancel anytime
    Requires service agreement and bureau intake forms
    Transparent Pricing
    Clear pricing without hidden fees
    Published on website
    Data furnishing pricing not publicly listed — must contact sales
    Automated Bureau Delivery
    Automated SFTP delivery to credit bureaus on a schedule
    Included from SMB plan ($29/mo)
    Secure SFTP or API delivery to bureaus
    Dedicated Support
    Direct access to support team
    24-hour support access with dedicated customer success managers

    CRS Credit API Pros

    • All-in-one platform covering both credit data pulling AND data furnishing (when available)
    • Unified API across all three major bureaus with JSON, XML, HTML5, and PDF output
    • Strong compliance infrastructure — SOC 2 Type II, FCRA certification, managed bureau vetting
    • 25+ years of credit industry experience through parent company
    • RESTful JSON APIs based on Metro 2 standards with SDKs for Ruby, Python, JavaScript, and more

    CRS Credit API Cons

    • Data Furnishing product listed as 'Coming Soon' — unclear availability and maturity
    • Pricing not publicly disclosed for data furnishing — must contact sales
    • Primarily a credit data PULLING platform — furnishing is a secondary, newer capability
    • Minimum $100/month platform fee even before data furnishing costs
    • No self-service web UI for Metro 2 file generation — API-only approach requires developer resources
    • Complex onboarding requiring sales team engagement, contracts, and bureau vetting documentation

    When to Choose CRS Credit API

    • 1Fintech companies that need both credit data pulling AND data furnishing in a single platform
    • 2Developer-heavy teams comfortable with API-only integrations who do not need a UI
    • 3Larger organizations already using CRS for credit report pulling who want to add furnishing

    Why Choose Metro2 Over CRS Credit API

    • Purpose-built for Metro 2 furnishing vs. CRS's credit-pulling platform with furnishing bolted on
    • Self-service from day one — no sales calls, contracts, or bureau vetting process to start generating files
    • Starting at $19/month vs. $100+/month minimum platform fee (before furnishing costs)
    • Web UI with drag-and-drop CSV mapping — no developer resources required
    • Transparent, published pricing vs. 'contact sales' for data furnishing rates
    • Production-ready today vs. CRS's 'Coming Soon' data furnishing product

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    Ready to switch from CRS Credit API?

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