You do know that you can dispute online inaccuracies on TU and EQ as well, right? just Google TU online dispute. For TU there's also an "investigation" PDF form that you can fill out and mail it to them.
Also in order to dispute items on your TU and EQ reports you're gonna need your report file # which can be found on the reports you pull from http://annualcreditreport.com
Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
USAA scores are FAKOs and some aspects of the EQ information seem to be pulled from an older database. My Ex FICO ran a little higher, Eq runs lower. I still feel USAA is the best deal available.
EQ's personal Solutions is great but the site runs slower than molasses in February. Populating the pages just takes too long due to all the extra stuff they're trying to sell. 
I just signed up with the AmEx credit monitoring service and I really like the lay out. I realize the scores are FAKO's (FAKO PLUS's) which is why I also have Scorewatch on myFico but I do like the fact that I can see all my report rolled up into one little screen shot it's kind of nice. I didn't realize I had so many hit's on my Credit from 2010 when I was house hunting dang. hopefully they all fall off very very soon!
Can't wait. I hope those in combination with some recent payoffs push me over the 800 mark on myFico score here, only a few more points. gerrrrrr
Starting Score: EQ FICO 777
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