Consumer, Commercial, Rent & Specialty Reporting

    Credit reporting software for the Metro 2® format—without the compliance guesswork.

    Generate, validate, and transmit consumer and commercial credit-reporting files in the Metro 2® format from one secure web platform — at a fraction of the cost of legacy vendors. Plans from $19/mo.

    Plans from $19/mo · No desktop install · SOC 2 Type II

    Trusted by lenders, servicers, and fintechs nationwide

    10M+
    Records Processed
    500+
    Companies Served
    99.9%
    Uptime SLA
    4
    Bureau Compatible

    What Is Metro 2 Credit Reporting?

    Metro 2 (also written as Metro Two) is the standardized data format used by creditors, lenders, and data furnishers to report consumer and commercial payment history to the three major credit bureaus — Equifax, Experian, and TransUnion. Maintained by the Consumer Data Industry Association (CDIA), the Metro 2 format defines exactly how account information, payment history, and account-holder details must be structured for bureau submission — including business and commercial tradelines via ECOA code W and the 6A/6B/7A commercial account types.

    Every organization that reports consumer credit data — from banks and credit unions to fintech lenders, BNPL providers, and debt collectors — must generate Metro 2 compliant files to submit to the bureaus. This process involves mapping internal loan and payment data to over 100 Metro 2 fields across base segments, J1/J2 segments for associated consumers, and K-segments for additional account details.

    Switch Labs is a cloud-based credit reporting software platform that automates the entire credit reporting process. Instead of manually formatting files or relying on legacy desktop software, our platform handles data mapping, bureau-grade validation, compliant file generation, and secure SFTP delivery to all three bureaus. Plans start at $19/month — a fraction of what legacy providers charge.

    Start free — no account needed

    Try it before you sign up

    Inspect a file, check your readiness, or follow the launch path. The free tools do real work — and show you exactly what a clean Metro 2 submission takes.

    Free

    Free Metro 2 File Viewer

    Drop a .dat or CSV and decode every segment with a structural validation pass. Nothing is uploaded.

    Open the viewer
    Free

    Furnisher Readiness Assessment

    Answer 9 quick questions and get a personalized action plan for your first bureau submission.

    Take the assessment
    Guide

    Furnisher Launchpad

    The guided path from “what is Metro 2” to a clean, accepted first submission — tools, then concierge, then automation.

    Explore the path
    By industry

    Solutions by vertical

    Rent reporting, CDFI/nonprofit lenders, and collections — each with a checklist, mapping template, and first-file review.

    Find your vertical

    Metro 2 Credit Reporting Software Features

    Everything you need for Metro 2 compliance: data mapping, validation, live editing, file generation, bureau delivery, and audit trails across consumer, commercial, rent, and specialty reporting.

    Bureau‑Grade Validation

    Catch errors before submission with the same checks bureaus use—prevent rejections and rework.

    Cloud + API + SFTP

    Browser app, REST API, and automated SFTP jobs. Build fully automated credit reporting pipelines.

    Live Editor & Bulk Updates

    Edit records inline or perform safe bulk changes with complete audit trails.

    Commercial Credit Reporting

    DUNS-keyed business entities, commercial account mapping, and reporter approval tracking.

    One-Click File Generation

    Generate compliant Metro 2 files instantly. No manual formatting or field-level debugging.

    Enterprise Security

    SOC 2 Type II compliant infrastructure with AES-256 encryption at rest and in transit.

    FCRA Dispute Management

    End-to-end consumer dispute tracking with automated 30-day deadlines and compliance documentation.

    M2
    BureauRelay Dashboard
    credit_report_nov2024.csv
    Processing
    1,247 records
    Account #
    Consumer Name
    Status
    Result
    4829-1847
    Johnson, Michael R.
    Current
    Valid
    4829-2291
    Williams, Sarah K.
    Paid
    Valid
    4829-3384
    Chen, David L.
    Delinquent
    1 Error
    4829-4472
    Martinez, Ana M.
    Current
    Warning
    4829-5591
    Thompson, James W.
    Current
    Valid
    1,243 Valid
    3 Errors
    1 Warning
    99.7% Pass Rate

    Metro 2 Compliance Validation Built‑In

    Our scanner mirrors bureau validations to catch Metro 2 errors before submission — preventing rejects and rework.

    • Automated compliance checks against latest Metro 2 specifications
    • REST API, SFTP watchers, and CSV/Excel/JSON import
    • Role-based access control for team management
    • Comprehensive audit logs and change history on every record
    • Full FCRA dispute management with 30-day deadline tracking
    • Configurable webhooks with HMAC-signed payloads
    • Bureau response parsing — track acceptance rates and rejections automatically

    Metro 2 code reference

    Every CRRG code set, with each code's meaning and the cross-field rules it has to satisfy. Metro 2 codes: the complete cheat sheet puts all of them on one page.

    Account Status CodesAccount Type CodesSpecial Comment CodesECOA Codes

    Credit Reporting Software: Cloud vs Legacy Desktop

    See how Switch Labs compares to legacy Metro 2 and commercial credit reporting desktop software

    FeatureSwitch LabsLegacy Desktop
    Cloud-Based Platform
    Automatic Updates
    Role-Based Access
    Monthly Pricing$19+/mo$$$
    Local Software Install
    API Integration
    Automated SFTP Jobs
    Web-Based Commercial ReportingDesktop-first
    DUNS / Business Identity WorkflowManual
    Commercial Reporter Approval Tracking
    Drag‑and‑Drop Mapping
    Live Record Editor
    Bureau‑Grade Validation
    US & Canada Support

    Simple, Transparent Pricing

    Choose the plan that's right for your business.

    Starter

    $19/month

    Perfect for small lenders

    • Up to 100 records/month
    • CRRG‑aligned validation
    • Drag‑and‑drop mapping
    • Single user access
    Most Popular

    SMB

    $29/month

    For growing businesses

    • Up to 1,000 records/month
    • API + automated SFTP
    • Live editor & bulk updates
    • Up to 5 user accounts

    Corporate

    $49/month

    For large organizations

    • Up to 10,000 records/month
    • Advanced API + webhooks
    • US & Canada support
    • Unlimited user accounts

    Enterprise

    For high-volume operations that need custom solutions. Get unlimited records, tailored integrations, and dedicated support.

    • Unlimited records
    • Custom data mapping
    • Custom integrations
    • Dedicated account manager
    • SLA & priority support

    Security & Compliance

    Your sensitive data is protected with enterprise‑grade security

    SOC 2 Type II Infrastructure

    Hosted on Vercel, Supabase & AWS — each independently audited under SOC 2 Type II

    AES-256 Encryption

    Data encrypted at rest and in transit

    CRRG‑Aligned Validation

    Scanner mirrors bureau checks to prevent rejects

    Switch Labs uses industry‑leading security practices to safeguard your sensitive data. All personally identifiable information (PII) is encrypted using AES-256 encryption, and our platform undergoes regular security audits and penetration testing to ensure your data remains protected.

    Reselling or embedding? Partner with us

    White-label Metro 2 reporting inside your own platform.

    Loan servicers, collections platforms, and fintech products embed our API under their own brand. Your UI, our bureau engine — we handle CDIA compliance so you don't have to.

    Credit Reporting Software FAQ

    Common questions about Metro 2 credit reporting and Switch Labs

    Ready to simplify Metro 2 reporting?

    Join hundreds of financial institutions already streamlining their credit reporting process with Switch Labs.

    More guides and resources