 TITLE: How Do Credit Repair Companies Work? CONTENT: Ultimately, credit repair companies communicate on your behalf either with the credit bureaus or with the companies that reported or \"furnished\" your credit information to the bureaus. These data furnishers are almost always debt collectors or financial services companies, like banks and credit card issuers.\nThe intent is to have the credit bureaus or furnishers either delete the credit information altogether or modify it in some way that's more favorable to the consumer. Communications by credit repair companies can happen via the internet, phone or U.S. mail. The U.S. mail has historically been the method that's preferred by credit repair companies for several reasons.\nMailing a few letters to the credit bureaus might sound unsophisticated, but it's the approach that works with how credit repair companies tend to operate. Some credit repair companies employ a process called \"jamming,\" which involves sending repetitive and often frivolous letters to the credit bureaus and their data furnishers.\nThe theory is if a credit repair company can send a large volume of dispute letters challenging the same item over and over, that somewhere along the way either a credit bureau, lender or debt collector will fail to process the dispute within the 30-day period specified by the Fair Credit Reporting Act (FCRA), resulting in the account being deleted. END