Comparison
Metro2 vs Esusu: Full Comparison
Esusu is a managed rent reporting platform — not Metro 2 reporting software. Property managers never touch Metro 2 files; Esusu handles everything behind the scenes. This is ideal for large multifamily operators who only need rent data reported, but it offers zero flexibility for businesses that need to report loans, collections, or other tradeline types. Metro2 by Switch Labs gives you full control over your Metro 2 files for any tradeline type, starting at $19/month with no setup fee.
Metro2
Modern, cloud-based Metro 2 reporting
Transparent pricing
No long-term contracts
Modern REST API
Free trial available
Esusu
Esusu is a rent reporting platform valued at $1.2 billion that reports on-time rental payments to cr...
Pricing:$3,500 setup + $2.50/unit/month (property managers); $10/month (individual renters)
Target:Multifamily property owners/operators, affordable housing providers, banks and fintechs seeking embedded rent reporting, and individual renters
Feature Comparison
| Feature | Metro2 | Esusu |
|---|---|---|
Metro 2 Format Generation Generate compliant Metro 2 format files for credit bureau submission | Handled internally — you never generate or see Metro 2 files | |
All Three Bureaus Submit to Experian, Equifax, and TransUnion | Equifax, Experian, and TransUnion | |
Real-time Validation Instant validation of data before submission | CRRG-aligned validation engine | Abstracted — handled internally by Esusu |
API Access REST API for programmatic integration | Full REST API from $29/mo | Embedded rent reporting API for banks/fintechs only — not a Metro 2 file API |
Bulk Upload Upload multiple accounts via CSV or Excel | Drag-and-drop field mapping | Data pulled from PMS integrations — no self-service file upload |
Error Correction Built-in tools to fix rejected records | Live editor with bulk updates | Disputes handled via FCRA/CDIA process — no self-service correction tools |
Audit Trail Complete history of all submissions and changes | Dashboard with payment and portfolio data, but no Metro 2 file-level audit trail | |
Modern UI Clean, intuitive user interface | Modern dashboard for property managers and mobile app for renters | |
No Long-term Contract Month-to-month billing without commitment | Cancel anytime | Requires $3,500 setup investment; contract terms via sales only |
Transparent Pricing Clear pricing without hidden fees | Published on website | Setup fee and per-unit pricing disclosed on third-party sites, not prominently on their own site |
Automated Bureau Delivery Automated SFTP delivery to credit bureaus on a schedule | Included from SMB plan ($29/mo) | Fully managed — Esusu submits to bureaus monthly via SFTP on your behalf |
Dedicated Support Direct access to support team | White-glove onboarding, co-branded marketing, and support team |
Esusu Pros
- Reports to all three major bureaus (Equifax, Experian, TransUnion) with up to 24 months of historical backfill
- Deep integrations with major property management systems covering 85% of the market
- Fully managed service — Esusu handles all Metro 2 formatting and bureau submission on your behalf
- Embedded API and SDK available for banks and fintechs to white-label rent reporting
- Only reports positive (on-time) payments — no negative reporting for missed rent
Esusu Cons
- $3,500 setup fee is a significant upfront cost, especially for smaller operators
- Rent-only reporting — cannot report loans, collections, or other tradeline types in Metro 2 format
- No self-service Metro 2 file generation — you never see or control the actual Metro 2 files
- Requires property management software integration — not suitable for businesses outside real estate
- Only reports positive data — FICO 8 (the most widely used scoring model) does not factor rental data
When to Choose Esusu
- 1Large multifamily property operators who want a fully managed rent reporting service
- 2Banks and fintechs looking to embed rent reporting into their existing platforms via API
Why Choose Metro2 Over Esusu
- Report any tradeline type (loans, collections, rent, etc.) — not limited to rent payments only
- Full control over your Metro 2 files with a live editor, validation, and error correction
- $19/month with no setup fee vs. $3,500 upfront + $2.50/unit/month
- REST API for any integration — not restricted to property management systems or fintech embeds
- Self-service platform — no dependency on a third party to manage your data furnishing
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