Comparison of our Metro 2® Solutions
Comparison of our Metro 2® Solutions
Which Hutchins Systems Solution Is Right for Your Organization?
Not every credit furnisher has the same needs. Whether you’re a small credit union manually entering a few hundred accounts or a high-volume servicer pushing thousands of records through an API pipeline, Hutchins Systems has built a Metro 2® solution sized for you.
Since 1986, Hutchins Systems has developed Metro 2® compliance software trusted by data furnishers across the credit industry. Today, the product line spans four distinct solutions — from the legacy-friendly CreditTime 2000 to the modern, API-first MORFi API. Here’s a clear breakdown of what each product offers and who it’s built for.
Breaking It Down by Use Case
CreditTime 2000 — The On-Premises Classic
For organizations still operating in a Windows-only environment with modest account volumes, CreditTime 2000 remains a reliable workhorse. It’s the only solution offering unlimited phone support alongside email support — making it a strong choice for teams that want hands-on assistance without navigating ticket systems. Ideal for furnishers under 1,000 accounts who prefer desktop-based software and full control over their data backups.
eCreditTime — Cloud-Ready with Familiar Workflow
eCreditTime bridges the gap between legacy manual processes and modern cloud infrastructure. You get the familiarity of manual data entry with the security and accessibility of a cloud-hosted environment. With SOC 2 certification, built-in audit functionality, and data backup/restore, it suits small-to-mid-size furnishers who want cloud convenience without abandoning their current workflows.
MORFi Web — Scalable Import-Based Processing
MORFi Web is the go-to for organizations managing data in spreadsheets or CSV exports from their core systems. It scales across both small and large account volumes, is SOC 2 certified, includes audit functionality, and supports volume-based pricing — making it well-suited for auto dealers, collection agencies, and mortgage servicers who batch-export Metro 2® data from existing platforms.
MORFi API — Built for High-Volume Automation
For technology-forward organizations needing direct system-to-system integration, MORFi API is the flagship. It combines everything in MORFi Web with direct API access — enabling automated Metro 2® file generation pipelines without manual exports or uploads. Credit unions, fintech lenders, and large servicers pushing thousands of records will find it the most efficient and scalable option in the lineup.
“The right Metro 2® solution isn’t just about features — it’s about matching your team’s workflow, data volume, and technical infrastructure to a tool that makes compliance a repeatable, auditable process.”
Key Differentiators Worth Noting
A few features stand out as true differentiators across the product line.
API access is exclusive to MORFi API — no other product in the lineup supports direct programmatic integration.
Unlimited phone support is unique to CreditTime 2000, making it especially valuable for teams less comfortable with self-serve troubleshooting.
Import via CSV/Excel is available only on the MORFi products, while manual data entry is restricted to CreditTime 2000 and eCreditTime. Every cloud-based product carries SOC 2 certification and volume-based pricing flexibility.
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