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MyFico score is very easy to use. The score is pretty accurate compared to Equifax, TransUnion, and Experian. I check my score with MyFico and recently went to go buy a new car. The sales person ran my score and it was pretty much inline with the score from MyFico.
Fred Loya has a very bad reputation in the insurance industry. The majority of the complains are related to making claims. I have a policy with Fred Loya and never had a problem until I had to make a claim. Customer service was horrible. The adjustor was even worse. They under estimated the damages and refused to come back out and do a supplement. I regret moving my policy from my old provider to Fred Loya. I can't wait until my policy is up so I can move it again.
I have been with State Farm for a little over a year and I am very satisfied. I have my car, my girlfriend's car and our hk me policy with State Farm. My girlfriend used to pay over $1000 (semi-annually) when she was insured in Louisiana. When she moved here and we merged her account with mine, she pays $600 every 6 months. I haven't made a claim in a long time but when I did in the past, they we fast and easy to do. Customer service is excellent. My brother also has State Farm and he was involved with a hit and run and State Farm helped him diligently.
I have been with Chase for over 10 years (mainly a credit card customer only). I recently opened a Chase checking account about a year ago. I can't be any happier. Customer service is impeccable. Every time I call Chase, my problems or concerns are resolved. I had an incident when my employer was not able to direct deposit a payroll check and I overdrew my account. I immediately called Chase and explained what happened and the fee was lifted. When I opened the account, I received $200 as a bonus offer. There is a $12 monthly fee, but it will be waived with a total minimum direct deposit of $500 monthly. My paycheck is direct deposit int my account, so there is no worries about the fees there. Chase has locations all over the United States and I don't have to worry about the $3 fee charged for using another bank's ATM. I highly recommend Chase Bank.