Alternatives to MyFico?

[ZX10Guy]

I've been a MyFico customer for several years.  It started out pretty cool as I was able to easily see my Equifax report and could see easily purchase and browse the full reports from the other CRAs.  Over the past couple of years, though, it seems much more difficult to use and significantly less information is available.

I was wondering if anyone had other suggestions for alternatives?

Specifcially I'd like to be able to buy full reports from all the agencies (along with the report numbers for dispute purposes).  I'd like to be able to more readily track the dispute progress on the site itself.

Am I asking for too much?

A few days ago, I ordererd my three reports here, but I had to jump through hoops (and ultimately call them) to make a dispute.  I really wanted to do it all online. 

What do you suggest?

[DaveSignal]

The best way to do a dispute is with your reports obtained directly from the CRAs.  I used to use a CMS from USAA which was basically a version of one of Experian's CMS products.  It would let you view all three, but disputes could only be submitted online for Experian.   

I don't know of any third-party CMS that offers easy online disputes for all three CRAs.

As for FICO scores, you can get an EQ FICO directly from EQ.  This would also allow you to easily dispute things on the EQ report. 

[user5387]

You can get reports for $10 directly, or free on an annual basis.

[takeshi74]

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@ZX10Guy wrote:

Am I asking for too much?

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@ZX10Guy wrote:

What do you suggest?

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I'm also not aware of any CMS that will allow you to dispute online with all 3 but you may want to check out the CMS thread to verify.

[ZX10Guy]

Thanks for the reply -- it looks like I'll have to just go through each agency.  I was hoping here in 2014, things would be simple lol....oh well

[Shogun]

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@ZX10Guy wrote:

Thanks for the reply -- it looks like I'll have to just go through each agency.  I was hoping here in 2014, things would be simple lol....oh well

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That's really the best way to do it.  Even the ones that do the 3X pull, they are 3rd party providers and don't give the most accurate info or format any way.  Good luck.