Metro2 by Switch Labs vs MicroBilt
MicroBilt is a credit bureau that accepts Metro 2 data from furnishers — not a tool for creating Metro 2 files. To report data to MicroBilt, you first need Metro 2 reporting software to generate your files. Metro2 by Switch Labs generates the files; MicroBilt (and other bureaus like M2 Reporter and Hutchins also support MicroBilt) can be one of the destinations you submit to.
Metro2 by Switch Labs
Modern, cloud-based Metro 2 credit reporting software
MicroBilt
MicroBilt, founded in 1978 and now owned by Fiserv, is both an alternative credit bureau that accepts Metro 2 data from ...
Pricing Comparison
Flat-rate pricing. No per-account fees. Month-to-month billing with no long-term contracts.
Credit report pulls: API pricing from $0.02/call (bank validation) to $5.53/call (public records). Metro 2 data furnishing: contact MicroBilt directly. Regulated credit products require separate agreements.
Feature-by-Feature Comparison
See how Metro2 by Switch Labs stacks up against MicroBilt across key capabilities.
| Feature | Metro2 by Switch Labs | MicroBilt |
|---|---|---|
Metro 2 Format Generation Generate compliant Metro 2 format files for credit bureau submission | Receives Metro 2 files — does not generate them | |
All Three Bureaus Submit to Experian, Equifax, and TransUnion | MicroBilt IS a bureau — it does not submit to others | |
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 | For pulling credit data, not furnishing |
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 | |
Audit Trail Complete history of all submissions and changes | ||
Modern UI Clean, intuitive user interface | Developer portal for data access | |
No Long-term Contract Month-to-month billing without commitment | Cancel anytime | |
Transparent Pricing Clear pricing without hidden fees | Published on website | |
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 | Enterprise tier |
Try Metro2 by Switch Labs today
Generate your first Metro 2 file in minutes. Plans start at $19/month.
MicroBilt: Pros & Cons
Pros
- One of 5 major credit bureaus that accepts Metro 2 data — wider reporting reach
- PRBC alternative credit report for thin-file consumers
- Strong in specialty lending (subprime, short-term, collections)
- Developer API portal for pulling credit data
- 46+ years of industry presence
- Fraud detection and identity verification tools
Cons
- NOT a Metro 2 file generation tool — you need separate software to create files to submit to MicroBilt
- Enterprise-focused — complex onboarding and pricing
- Requires 100+ accounts for furnishing (similar to TransUnion minimum)
- Primarily serves as a bureau for specialty/subprime data, not mainstream credit
- Pulling credit reports is a separate service from furnishing data to them
When to Choose MicroBilt
- 1Lenders who want to pull alternative credit data for subprime or thin-file consumers
- 2Data furnishers who want to expand reporting beyond the Big Three to reach more consumers
Why Choose Metro2 by Switch Labs
- Metro2 by Switch Labs creates Metro 2 files; MicroBilt receives them — you need Metro2 by Switch Labs first
- Several Metro 2 tools (M2 Reporter, Hutchins) support submitting to MicroBilt as a destination
- Metro2 by Switch Labs is self-service from $19/month; MicroBilt requires enterprise agreements for furnishing
- Metro2 by Switch Labs handles the complete workflow: file creation, validation, and delivery to bureaus including MicroBilt
Frequently Asked Questions
Common questions about Metro2 by Switch Labs and credit reporting
Ready to start reporting to credit bureaus?
Metro2 by Switch Labs makes it easy to generate Metro 2 files and submit to all three bureaus. Plans start at $19/month.