I think i found a good deal with a report and score website, 12 bucks for all three semi accurate fako scores, and reports, for 1 month with 3 months free after that. indentity guard Now onto my question, on my identity guard report for experian, there are two medical collections(total $200), so i went freeannualcreditreport.com and pulled my experian report to dispute these two, but they weren't there. Could it be identity guard is just mis-informed? I recently paid off $900 dollars in medical bills that were given over to a CA. And they were removed off my transunion and equifax report. Could experian be reporting old info before they were turned over to CA? Or shouldn't i worry about it because i don't see it on experian free report. I also disputed, using this website's help, some info that was not reported to equifax waiting on that too pan out(2 old state tax debt paid early last year). Causing my score to be 79 points less than my others. identity guard: equifax fako: 554 experian fako: 633 transunion fako: 636 MyFico: Equifax fico: 565