Things you need to know before challenging an error

A credit bureau is required by law to investigate the information that you challenged on your credit report unless it is "irrelevant or frivolous." Therefore, in order to avoid such a charge, it is best to challenge each item separately because a general challenge may be considered frivolous. Pursuant to United States Code, Title 15, Chapter 41, Subchapter III, Section 1681I an item must be removed if upon investigation by the credit bureau it is found to be "inaccurate, incorrect, erroneous, misleading or outdated" (see code section here). Therefore, it is important to use one of these reasons in your challenge as the grounds for your dispute.

But I see only a very small percentage is aware of it.

Consumers can dispute more then one item per dispute, just that you don't want it cluttered keep it straight and to the point, I would suggest no more then 5 disputes per letter, and wait 60 days between disputes if something is needing to be reinvestigated.