Comparison

    Metro2 vs e-OSCAR: Full Comparison

    e-OSCAR is a dispute resolution platform, not a Metro 2 credit reporting solution. Data furnishers need both: Metro2 for generating and submitting Metro 2 format files to credit bureaus, and e-OSCAR for responding to consumer disputes about that data. They serve complementary purposes and are both required for FCRA-compliant data furnishing.

    Metro2

    Modern, cloud-based Metro 2 reporting

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

    e-OSCAR

    e-OSCAR is the industry-standard dispute resolution platform used by data furnishers to respond to c...

    Pricing:$90 registration + $0.34/dispute
    Target:All data furnishers — enrollment is mandatory for furnishing to the credit bureaus

    Feature Comparison

    FeatureMetro2e-OSCAR
    Metro 2 Format Generation
    Generate compliant Metro 2 format files for credit bureau submission
    Dispute handling only
    All Three Bureaus
    Submit to Experian, Equifax, and TransUnion
    For disputes only — plus Innovis
    Real-time Validation
    Instant validation of data before submission
    CRRG-aligned validation engine
    API Access
    REST API for programmatic integration
    Full REST API from $29/mo
    Dispute API only
    Bulk Upload
    Upload multiple accounts via CSV or Excel
    Drag-and-drop field mapping
    Error Correction
    Built-in tools to fix rejected records
    Live editor with bulk updates
    Dispute responses only
    Audit Trail
    Complete history of all submissions and changes
    Dispute archive
    Modern UI
    Clean, intuitive user interface
    No Long-term Contract
    Month-to-month billing without commitment
    Cancel anytime
    Enrollment is mandatory
    Transparent Pricing
    Clear pricing without hidden fees
    Published on website
    $90 registration + $0.34/dispute
    Automated Bureau Delivery
    Automated SFTP delivery to credit bureaus on a schedule
    Included from SMB plan ($29/mo)
    Dedicated Support
    Direct access to support team

    e-OSCAR Pros

    • Industry-standard dispute resolution — used by all bureaus and furnishers
    • Standardized process with 29 three-digit dispute codes
    • Direct integration with all four major credit bureaus
    • Supports both ACDVs (bureau-initiated disputes) and AUDs (furnisher-initiated corrections)
    • Full audit trail for FCRA compliance documentation

    e-OSCAR Cons

    • NOT a Metro 2 reporting tool — only handles disputes
    • Complex, dated interface with a steep learning curve
    • Separate system from your Metro 2 reporting workflow
    • Must be used alongside Metro 2 software — does not replace it
    • No modern API for automation

    When to Choose e-OSCAR

    • 1Every data furnisher — e-OSCAR enrollment is a mandatory requirement
    • 2Use alongside Metro 2 reporting software (not as a replacement)

    Why Choose Metro2 Over e-OSCAR

    • Metro2 handles credit reporting — e-OSCAR handles disputes
    • Use Metro2 alongside e-OSCAR for complete FCRA compliance
    • Metro2 generates and submits your Metro 2 files; e-OSCAR lets you respond to disputes about them
    • Different tools for different jobs — you need both

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    Ready to switch from e-OSCAR?

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