Enter the Family Fun Travel Sweepstakes. No purchase necessary. See official rules


AARP Family Vacation - Photo Contest

Contests and

Enter the AARP Family Vacation Photo Contest

No purchase necessary. Ends 5/31/15. See official rules. 

Driver Safety

Piggy bank on the road - AARP Driver Safety

Take the new AARP Smart Driver Course!

You Could Choose Your Dream Vacation
Happy African American couple

AARP Books

Visit the Money Section

Enjoy titles on retirement, Social Security, and becoming debt-free.

Jobs You Might Like

most popular


Ask Sid

Disputing a Credit Report Error

Q. There’s an error on my credit report. How do I fix it?

A. Don’t rely on the online dispute forms offered by the three major credit reporting bureaus. Their check-box choices will pigeonhole your dispute into general categories, weakening your chances to prove negligence, says the National Consumer Law Center.

Instead, the center recommends that you send a written request for an investigation to all three major credit bureaus, with “return receipt” notification. Your letters should explain your dispute in detail and note all actions you’ve taken to resolve it—such as the time and dates of telephone calls made, and with whom you spoke. Include whatever evidence you can find to discredit the company that’s reporting the damaging information about you, such as complaints of past inaccuracies.

Make specific recommendations on actions the credit bureaus should take to investigate the matter—such as interview customer rep John Jones, with whom you tried to settle the matter.

You should also send a return-receipt letter to the bank or company that claimed you were financially remiss. Dispute in detail its information about you.

Then—follow up. Telephone or write again if you don’t hear back. The bureaus are required to give you the results of the investigation in writing and a free copy of your report if the dispute results in a change.

For more details, see page 35 of a report by the National Consumer Law Center.

A Federal Trade Commission web page has more tips and a sample dispute letter.

Dispute letters should be mailed to:

* Experian

P.O. Box 2104

Allen, TX 75013

* Equifax Information Services

P.O. Box 740256

Atlanta, GA 30374

* TransUnion Consumer Solutions

P.O. Box 2000

Chester, PA 19022-2000

Sid Kirchheimer writes about health and consumer issues.

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts


Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.


The Cheap Life

Jeff Yeager Cheap Life Ultimate Cheapskate AARP YouTube web series save money

Catch the latest episode of The Cheap Life starring Jeff Yeager, AARP's Ultimate Cheapskate. Watch

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

member benefit aarp financial service auto insurance

AARP® Auto Insurance Program from The Hartford offers members no-cost quotes.

AARP Credit card from Chase

Members can get cash back rewards on purchases with the AARP® Credit Card from Chase.

Woman holding smartphone in city, Google map tool

Members can find discounts on the go via the AARP® Member Advantages Offer Finder app.

Member Benefits

Join or renew today! AARP members receive exclusive member benefits & affect social change.


Advance your skills. Transform your career.

Explore your learning possibilities.