Comparison

    Metro2 vs Hutchins Systems: Full Comparison

    Hutchins Systems offers unmatched bureau support and deep Metro 2 expertise, but their confusing product lineup, inconsistent pricing, and desktop limitations make evaluation difficult. Metro2 delivers a clearer value proposition with transparent pricing, full API documentation, and automated bureau delivery — all in a single cloud platform starting at $19/month.

    Metro2

    Modern, cloud-based Metro 2 reporting

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

    Hutchins Systems

    Hutchins Systems, founded in 1986, is the oldest Metro 2 software provider still operating. Based in...

    Pricing:$49–$129/month (cloud) or $495–$595/year (desktop)
    Target:Data furnishers needing alternative bureau support (Clarity, MicroBilt/PRBC) or stacking services for small portfolios

    Feature Comparison

    FeatureMetro2Hutchins Systems
    Metro 2 Format Generation
    Generate compliant Metro 2 format files for credit bureau submission
    All Three Bureaus
    Submit to Experian, Equifax, and TransUnion
    Plus Innovis, Clarity, MicroBilt/PRBC (6+)
    Real-time Validation
    Instant validation of data before submission
    CRRG-aligned validation engine
    1M+ validations per 1,000 accounts
    API Access
    REST API for programmatic integration
    Full REST API from $29/mo
    REST API available (~$14/lender/mo), no public docs
    Bulk Upload
    Upload multiple accounts via CSV or Excel
    Drag-and-drop field mapping
    MORFi Cloud only — desktop has NO import
    Error Correction
    Built-in tools to fix rejected records
    Live editor with bulk updates
    Audit Trail
    Complete history of all submissions and changes
    Modern UI
    Clean, intuitive user interface
    MORFi Cloud only — desktop is dated
    No Long-term Contract
    Month-to-month billing without commitment
    Cancel anytime
    60-day cancellation notice required
    Transparent Pricing
    Clear pricing without hidden fees
    Published on website
    Varies across websites
    Automated Bureau Delivery
    Automated SFTP delivery to credit bureaus on a schedule
    Included from SMB plan ($29/mo)
    Manual or via stack service
    Dedicated Support
    Direct access to support team
    Mon-Fri 9AM-5PM EST; $125/hr for non-software issues

    Hutchins Systems Pros

    • Widest bureau support — 6+ bureaus including Equifax, Experian, TransUnion, Innovis, Clarity Services, and MicroBilt/PRBC
    • Extremely thorough validation engine — over 1,000,000 validations per 1,000 accounts
    • Most product variety: desktop, cloud upload, cloud app, and REST API options
    • Preferred Metro 2 Software Vendor for Experian
    • 40 years of credit reporting experience (founded 1986)
    • REST API available for software platform integrations
    • Stack processing service available for furnishers below bureau minimums

    Hutchins Systems Cons

    • Credit Time 2000 desktop does NOT support data import — all accounts must be entered manually
    • Confusing product lineup across multiple websites (hutchinssystems.net, credittime2000.com, metro2morfi.com)
    • Inconsistent pricing across different sites — $300/yr vs $360/yr annual support fee quoted on different pages
    • MORFi Cloud tiers have identical features — you only pay for account capacity and user seats
    • REST API has no public documentation, endpoints, or integration examples
    • Non-software support billed at $125/hour
    • 60-day written cancellation notice required
    • Desktop system requirements still list Windows XP and Pentium III
    • Stack processing is expensive — $800–$2,150 first month with non-refundable deposits

    When to Choose Hutchins Systems

    • 1Organizations needing alternative bureau reporting (Clarity Services, MicroBilt/PRBC)
    • 2Businesses needing stack processing for small portfolios below bureau minimums
    • 3Software platforms looking for a Metro 2 API (if willing to work without public documentation)

    Why Choose Metro2 Over Hutchins Systems

    • Single product with transparent pricing vs. 4+ products across 3 websites
    • Full REST API with documentation included from $29/month vs. ~$14/lender/month with no public docs
    • Data import via drag-and-drop mapping (Hutchins desktop has NO import)
    • Automated SFTP delivery to bureaus included
    • Month-to-month billing — no 60-day cancellation notice
    • Modern cloud-native architecture vs. VB6-to-HTML5 migration

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