Well I cant access TransUnion online to dispute anything and i cant view my credit report online either. I was able to do this until a few weeks ago. I just got a email from them over a dispute I had placed before this. The email didnt go into details about the decision. It just said to login to see the results but I cant. So looks like I will just have to order a free copy of my report in the mail over being turned down for a JCP CC. It took me forever to find the form to mail in. I tried calling but they couldnt verify my information. Transunion is VERY frustrating out of all 3 credit agencys.