Metro2 by Switch Labs vs The Service Bureau
TSB's Credit Manager is a long-established Windows desktop application. Its deployment model and lack of an API make it a poor fit for teams that want cloud access, remote collaboration, or programmatic integration. Metro2 by Switch Labs offers cloud access, API automation, and automated bureau delivery starting at $19/month.
Metro2 by Switch Labs
Modern, cloud-based Metro 2 credit reporting software
The Service Bureau
The Service Bureau (TSB), founded in 1992, offers Credit Manager — a Windows desktop Metro 2 reporting application. It i...
Feature-by-Feature Comparison
See how Metro2 by Switch Labs stacks up against The Service Bureau across key capabilities.
| Feature | Metro2 by Switch Labs | The Service Bureau |
|---|---|---|
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 and D&B (5 total) | |
Real-time Validation Instant validation of data before submission | CRRG-aligned validation engine | CRRG-aligned checks |
API Access REST API for programmatic integration | Full REST API from $29/mo | |
Bulk Upload Upload multiple accounts via CSV or Excel | Drag-and-drop field mapping | CSV, TXT, XML, Excel, Access, SQLite (Elite) |
Error Correction Built-in tools to fix rejected records | Live editor with bulk updates | |
Audit Trail Complete history of all submissions and changes | Log files | |
Modern UI Clean, intuitive user interface | ||
No Long-term Contract Month-to-month billing without commitment | Cancel anytime | Annual lease required |
Transparent Pricing Clear pricing without hidden fees | Published on website | Pricing not published publicly |
Automated Bureau Delivery Automated SFTP delivery to credit bureaus on a schedule | Included from SMB plan ($29/mo) | Automated batch SFTP uploads available in Elite |
Dedicated Support Direct access to support team |
Try Metro2 by Switch Labs today
Generate your first Metro 2 file in minutes. Plans start at $19/month.
The Service Bureau: Pros & Cons
Pros
- Long-established provider (in business since 1992)
- Supports 5 bureaus: Equifax, Experian, TransUnion, Innovis, and Dun & Bradstreet
- CRRG-aligned compliance validation
- AES-256 encrypted database storage
- In-house support staff
- 30-day free demo available
- Imports from CSV, TXT, XML, Excel, MS Access, Metro 2 426 format, and (Elite) SQLite
Cons
- Desktop-only — Windows required, no native Mac/Linux, no cloud, no mobile access
- No API for automation or integration with external systems
- Annual lease model — you do not own the software
- Pricing is not published on TSB's website
- Per TSB's FAQ, minor revisions are free while major revisions are offered at a discounted rate
When to Choose The Service Bureau
- 1High-volume furnishers on Windows infrastructure
- 2Organizations needing Dun & Bradstreet commercial credit reporting
- 3Companies with existing TSB relationships
Why Choose Metro2 by Switch Labs Over The Service Bureau
- Cloud-based — access from any device, any browser, no installation
- Full REST API for automation and integration (TSB has no API)
- Automated SFTP delivery to bureaus
- Transparent, published pricing starting at $19/month
- Month-to-month billing — no annual lease commitment
- Modern interface reduces training time and data entry errors
Frequently Asked Questions
Common questions about Metro2 by Switch Labs and credit reporting
Ready to switch from The Service Bureau?
See why businesses are choosing Metro2 by Switch Labs for their credit reporting needs. Plans start at $19/month.