I declared Chapter 7 last year and was discharged in March. One card popped back up onto Transunion and was reporting- I had an attorney deal with it for me and they won like $7k in fees (I got $500), but now the card is reporting to Equifax. What is the best service out there when it comes to available information, UI, and ability to file initial disputes online? MyFico seems to be the easy option, but it is $40 a month to be able to see everything, so wanted opinions and options before I bite that bullet. I could probably go the hard route and repeatedly get the free reports, but I just don't have the time to finagle with so many annoying portals between working two jobs.