Metro2

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Cloud-based Metro 2 credit reporting software for data furnishers

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User RatingNot rated yet
Starting PriceFlat Rate
Free TrialNot available
Free VersionNot available
APIAvailable
DeploymentCloud Hosted
HeadquartersUnited States
✎
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Product Overview

Metro2 Overview

Product description, media, company details, support, training, deployment, customer size, languages, and industries.

About Metro2

Metro2 by Switch Labs is a comprehensive credit reporting solution that simplifies Metro 2 compliance for organizations of all sizes. Whether you are a small lender just starting to report to credit bureaus or an established financial institution processing thousands of accounts, Metro2 provides the tools you need to stay compliant and efficient.

The platform supports the complete credit reporting lifecycle. Users can import account data via CSV or Excel uploads, or use the REST API for programmatic integration. The built-in validation engine checks every record against Metro 2 format specifications before file generation, catching errors like invalid date ranges, missing required fields, and incorrect account status codes. This ensures clean submissions and reduces rejection rates from the credit bureaus.

Metro2 generates properly formatted Metro 2 files ready for submission to Equifax, Experian, and TransUnion. The integrated SFTP transmission feature securely delivers files directly to each bureau, eliminating the need for separate file transfer tools. Users can track transmission status in real-time and receive confirmation when bureaus accept their files.

Key capabilities include multi-company support for organizations managing multiple furnisher accounts, role-based access control for team collaboration, comprehensive audit logging for regulatory compliance, and a developer-friendly API with detailed documentation. The platform runs entirely in the cloud with no software to install or maintain, and includes automatic updates to stay current with the latest Metro 2 format specifications.
Company Switch Labs
Founded 2024
Headquarters United States
Employees 1-10

Support

Email Chat Knowledge Base

Training

Live Online Documentation

Licensing & Deployment

Proprietary Cloud Hosted Web-Based

Typical Customers

Small-Business Midsize-Business
Languages Supported 1 language available
English
Industries Served 1 industry available
Financial Services
Category-Based Capabilities

Metro2 Features

Each category combines the selected software category, its category-specific description, and the features assigned to that category.

Compliance Software 7 selected features Open category ↗ ⌄

Metro2 is a compliance-focused credit reporting platform that ensures data furnishers meet all Metro 2 format requirements mandated by the Consumer Data Industry Association (CDIA). The software validates every credit report record against the latest Metro 2 specifications, automatically flagging errors before submission to prevent bureau rejections. With built-in audit trails, role-based access controls, and secure SFTP file transmission, Metro2 helps organizations maintain full regulatory compliance while streamlining their credit reporting operations.

Compliance Tracking Alerts/Escalation Document Management Compliance Management Audit Management Audit Trail Access Controls/Permissions
Pricing Information

Metro2 Pricing

Pricing type, currency, trial availability, payment frequency, destination links, and package-level starting prices.

Pricing Type Flat Rate
Preferred Currency USD ($)
Free Trial Not available
Free Version Not available
Payment Frequency Monthly Subscription
Frequently Asked Questions

Metro2 FAQs

Answers generated from approved profile information, selected options, packages, integrations, support, training, deployment, and devices.

Metro2 by Switch Labs is a comprehensive credit reporting solution that simplifies Metro 2 compliance for organizations of all sizes. Whether you are a small lender just starting to report to credit bureaus or an established financial institution processing thousands of accounts, Metro2 provides the tools you need to stay compliant and efficient.

The platform supports the complete credit reporting lifecycle. Users can import account data via CSV or Excel uploads, or use the REST API for programmatic integration. The built-in validation engine checks every record against Metro 2 format specifications before file generation, catching errors like invalid date ranges, missing required fields, and incorrect account status codes. This ensures clean submissions and reduces rejection rates from the credit bureaus.

Metro2 generates properly formatted Metro 2 files ready for submission to Equifax, Experian, and TransUnion. The integrated SFTP transmission feature securely delivers files directly to each bureau, eliminating the need for separate file transfer tools. Users can track transmission status in real-time and receive confirmation when bureaus accept their files.

Key capabilities include multi-company support for organizations managing multiple furnisher accounts, role-based access control for team collaboration, comprehensive audit logging for regulatory compliance, and a developer-friendly API with detailed documentation. The platform runs entirely in the cloud with no software to install or maintain, and includes automatic updates to stay current with the latest Metro 2 format specifications.

  • No, Metro2 does not offer a free version.

  • No, Metro2 does not offer any free trial.

  • Metro2 supports the following payment frequencies:

    • Monthly Subscription

  • Yes, Metro2 offers an API.

  • Metro2 offers support with the following options:
    • Email , Chat , Knowledge Base

  • Metro2 offers training with the following options:
    • Live Online , Documentation

  • Metro2 supports the following languages:
    • English

  • Following are the typical users of the Metro2:
    • Small-Business , Midsize-Business

  • Metro2 supports the following deployment:
    • Cloud Hosted

  • Metro2 supports the following devices and operating systems:
    • Web-Based
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