Comparison
Metro2 vs DataLinx: Full Comparison
DataLinx LLC is a managed credit reporting service, not self-service software. They convert your data and submit it for you — which is convenient but means you have no direct control over your Metro 2 files, no dashboard, no API, and no visibility into the process. Metro2 by Switch Labs gives you full control with a modern web interface, REST API, real-time validation, and automated bureau delivery — all starting at $19/month with transparent pricing published on the website.
Metro2
Modern, cloud-based Metro 2 reporting
Transparent pricing
No long-term contracts
Modern REST API
Free trial available
DataLinx
DataLinx LLC, founded in 2001 in Bothell, Washington, is a full-service outsourced credit reporting ...
Pricing:Contact for pricing (not published)
Target:Small businesses below bureau account minimums (BHPH auto dealers, property managers, collection agencies, HOAs, utility companies) who want someone else to handle Metro 2 conversion and bureau submission
Feature Comparison
| Feature | Metro2 | DataLinx |
|---|---|---|
Metro 2 Format Generation Generate compliant Metro 2 format files for credit bureau submission | Handled on your behalf — you send raw data, they convert it | |
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 | Validation done by their team during conversion — not self-service |
API Access REST API for programmatic integration | Full REST API from $29/mo | No API — data submitted via templates and manual processes |
Bulk Upload Upload multiple accounts via CSV or Excel | Drag-and-drop field mapping | You send Excel/text files to their team — not a self-service upload |
Error Correction Built-in tools to fix rejected records | Live editor with bulk updates | Handled by their team — you cannot fix errors yourself |
Audit Trail Complete history of all submissions and changes | No self-service audit trail or submission history dashboard | |
Modern UI Clean, intuitive user interface | No user-facing application or dashboard | |
No Long-term Contract Month-to-month billing without commitment | Cancel anytime | Contract terms not disclosed — requires sales contact |
Transparent Pricing Clear pricing without hidden fees | Published on website | No pricing published anywhere on website |
Automated Bureau Delivery Automated SFTP delivery to credit bureaus on a schedule | Included from SMB plan ($29/mo) | They handle submission on your behalf monthly |
Dedicated Support Direct access to support team | Mon-Fri 8AM-5PM Pacific; unlimited consulting included |
DataLinx Pros
- Fully managed service — they handle Metro 2 conversion and bureau submission so you don't have to
- Credit stacking lets small furnishers below bureau minimums start reporting immediately
- Reports to 4 bureaus: Equifax, Experian, TransUnion, and Innovis
- 20+ years of experience (founded 2001) with hundreds of clients across diverse industries
- Integrates with existing systems including DealerCenter, Buildium, Frazer, Collections MAX, and others
- Free, unlimited credit data consulting and support included
DataLinx Cons
- No self-service access — you cannot generate, view, or control your own Metro 2 files
- Pricing is completely opaque — must contact sales for any quote
- Acquired by Array — datalinxllc.com now redirects to array.com, creating uncertainty about the standalone service
- No API, no web dashboard, no modern UI — everything is handled by their team on your behalf
- You are dependent on a third party for your monthly bureau submissions — no direct control
When to Choose DataLinx
- 1Very small furnishers below bureau account minimums who need credit stacking
- 2Businesses that want zero involvement in Metro 2 formatting and prefer a fully outsourced approach
- 3Auto dealers and property managers using DealerCenter, Buildium, or other supported integrations
Why Choose Metro2 Over DataLinx
- Full self-service control — generate, validate, and submit your own Metro 2 files instead of relying on a third party
- Transparent pricing from $19/month vs. opaque, contact-sales-only pricing
- Modern web dashboard and REST API vs. no user-facing application at all
- Real-time validation catches errors before submission — no waiting for a team to review
- Direct visibility into your data, submission history, and audit trail
- No vendor lock-in — if DataLinx's parent (Array) changes direction, you lose your reporting capability
Other Comparisons
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