I see what you are saying, but I disagree with your perspective. I'm curious what you think following this statement.
First off, my own words "begin the process" are a bit of a misnomer. You don't actually begin the process until you've submitted a dispute. I mean, if we want to, we can always say that beginning the process starts when you pull your report in the first place. Yes, I am splitting hairs here, but it leads to my second point.
My second point is that you have a better perspective of each account within that file review area. I can see my entire history on an account as opposed to just the last two years. I consider this "area" to be the spot you do, in fact, go to review each file. If MyFico gives you access to it after you've purchased a report, I simply don't understand how something you have access to that you paid for can be considered unethical. They even say "Find and dispute errors on your credit report." The "Find ... errors on your credit and," implies that they expect you to enter that area and LOOK for (hence: find) and dispute (separate commands suggesting more than one reason to go in there).
And, understand, I am discussing/debating this because I am trying to see what the correct perspective is, even if I disagree with what that eventually may be.
