Comparison

    Metro2 vs Data Furnishing: Full Comparison

    Data Furnishing Technologies and Metro2 serve fundamentally different markets. Data Furnishing is a credit-building platform where they handle furnishing on your behalf — ideal for credit repair consultants. Metro2 gives you direct control over your Metro 2 file generation and bureau submissions — ideal for businesses that are (or want to become) data furnishers. If you need to control your own reporting, Metro2 is the clear choice.

    Metro2

    Modern, cloud-based Metro 2 reporting

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

    Data Furnishing

    Data Furnishing Technologies is a credit-building-as-a-service platform — fundamentally different fr...

    Pricing:$1,499/year
    Target:Credit repair entrepreneurs, credit-building consultants, and businesses that want to offer credit-building products without becoming data furnishers themselves

    Feature Comparison

    FeatureMetro2Data Furnishing
    Metro 2 Format Generation
    Generate compliant Metro 2 format files for credit bureau submission
    Handled on your behalf — you do not generate files
    All Three Bureaus
    Submit to Experian, Equifax, and TransUnion
    Plus Experian Business and SBFE
    Real-time Validation
    Instant validation of data before submission
    CRRG-aligned validation engine
    Abstracted — handled internally
    API Access
    REST API for programmatic integration
    Full REST API from $29/mo
    Not available
    Bulk Upload
    Upload multiple accounts via CSV or Excel
    Drag-and-drop field mapping
    Not a self-service file tool
    Error Correction
    Built-in tools to fix rejected records
    Live editor with bulk updates
    Handled internally
    Audit Trail
    Complete history of all submissions and changes
    Not documented
    Modern UI
    Clean, intuitive user interface
    Modern Framer-based site
    No Long-term Contract
    Month-to-month billing without commitment
    Cancel anytime
    Annual billing only
    Transparent Pricing
    Clear pricing without hidden fees
    Published on website
    $1,499/year on homepage
    Automated Bureau Delivery
    Automated SFTP delivery to credit bureaus on a schedule
    Included from SMB plan ($29/mo)
    They handle submission entirely
    Dedicated Support
    Direct access to support team
    Not detailed — Slack support coming in Pro Plus

    Data Furnishing Pros

    • No bureau setup required — they handle all data furnisher relationships
    • Includes credit builder loan, rent reporting, and business credit building
    • Tri-bureau credit monitoring and real-time alerts included
    • AI-powered feature called Furno for credit advising
    • Reports to Equifax, Experian, TransUnion, plus Experian Business and SBFE
    • Start immediately without the 60-90 day bureau onboarding process

    Data Furnishing Cons

    • Not traditional Metro 2 software — you do not control your own furnishing
    • Expensive at $1,499/year with annual billing only (no monthly option)
    • Very early-stage product — single published testimonial, no documentation or help center
    • Pro Plus tier (with CRM, SLA, Slack support) not yet available
    • Account limits not disclosed — unknown how many consumers you can serve
    • No pricing page — everything is on the homepage
    • Not suitable for traditional lenders, collectors, or organizations that need direct Metro 2 file control

    When to Choose Data Furnishing

    • 1Credit repair entrepreneurs who want to offer credit-building products without becoming a data furnisher
    • 2Businesses that want someone else to manage the Metro 2 reporting process entirely

    Why Choose Metro2 Over Data Furnishing

    • Full control over your Metro 2 files, data, and bureau relationships
    • Starting at $19/month vs. $1,499/year — over 5x more affordable
    • REST API for automation and integration with your existing systems
    • Month-to-month billing vs. annual-only commitment
    • Established product vs. early-stage platform with limited documentation
    • Self-service tools (live editor, bulk updates, drag-and-drop mapping) vs. black-box approach

    Other Comparisons

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