Credit Advice

Oh! It it were only that simple. There are so many errors on my credit reports that one yearly free report from each of the bureasu is way less than sufficient. And CSC/Equifax is so difficult to access. and to dispute. I think consumers should be up in arms about the system. * I've been working tediously to monitor my credit reports. I have reestablished credit and I get docked on my score because they say my balances are too high. I currently have four lenders who are not reprorting my monthly payments which are timely. The are two, three and even four months behind. If I charge on two of the accounts, they  report the charges/increased balances even before the end of the billing cycle. But, they don't report to the credit burueas on a monthly basis. I'm disputing the balances but the point is that I shouldn't have to. Credit bureaus should require lenders to report monthly on active accounts if they are going to report at all. The consumer gets penalized for this. Are any other consumers encountering this issue? When one considers  the accumulation of delflated credit across  all consumers that totals up to a lot of credit score points. The adds up to consumers not being able to get the best interest rates on loans which in turn means lenders are making a lot of money. In return, that induces consumers to purchase products sold by the credit bureaus so that they can monitor their reports. I take responsibility for my errors. But, this system is very sloppy at the expense of consumers. And it also requires a lot of time and energy to correct these errors. Accessibily and accurate reporting  is a real issue.