These companies are deliberately giving consumers the run around. I consistently can not get access through either XXXX or TransUnion. XXXX seems to be the only one that works. XXXX literally makes you FAX information. I do n't have access to such outdated technology. XXXX does allow you to still submit disputes online, but when you actually try to submit the forms, it does nothing! No submit, no nothing. You just stare at the form some more. There are n't that many fields, I can see them all - none are empty. In addition the address field is n't actually long enough to put in my address - if they meant these things to actually work, you 'd think that would have come up before now. " XXXX '' is n't exactly the longest street name in the world. In my opinion, these forms are made deliberately inaccessible and unfunctioning so that people will simply give up. When is the last time you 've ever tried it out not using some dummy account they gave you for demo purposes? My report is so messed up that I probably wo n't be able to buy a starter home despite the fact that I have $ XXXX in the bank, and I can not easily fix it. If you want to know why the housing market is terrible, perhaps it 's because people like me have had their scores messed up by shoddy reporting, and perhaps do n't want to jump through hoops of fire using outdated technology and snail mail just to prove to some garbage in garbage out, soulless algorithm that we meet high standards, particularly when the credit reporting and website experiences do not meet the lowest possible standard - that is, they function. When you consider how much rides on these scores, it does n't give me a whole lot of confidence in the entire system. Not sure why I 'd really want to buy in at all.