Everyone's situation is completely different, so how long it takes for you to achieve your expected results depends on the number of  items on your profile, your participation in getting information to us, and the level of entities cooperation. 

We will do our part, the auditing and creating dispute letters based on your reports, usually within 48 hours from the date we receive them. 

Most of the wait-time after is usually spent waiting for the credit bureaus or creditors to respond.

One way to speed up the process is to provide your identification quickly. The sooner this information is provided the quicker we can start the process. 

We accept all major credit cards and Afterpay feature.

Many of our clients have seen an increase of 100 points or more*; however, the actual amount will vary per client. 

There are many factors that affect a financial profile besides derogatory items. 

For example, the ability to pay down revolving debt, the type of accounts you have, your length of fiinancial history, even the number of inquiries on your financial file. 

It is especially important that no current accounts fall into a negative status.

* Results may vary by individual.

Typically you once received, updated  information from all agencies after 30 to 45 days. 

At that time you will see what was deleted and will need to email the originals to us so that we can continue working on the remaining items. 

You will actually know what was removed before we do, which is why it is so important that you forward all correspondence to info@coachvthefinancialmechanic.com within a few days of receiving it. 

If the agency does not respond to your dispute letter, do not be alarmed, a new dispute letter will be generated when your file is reviewed by the processing center every 30-35 days.

Every 30 days, your file will be reviewed. Based on the documentation received from you, (report updates and letters from account holders) a new dispute will be generated and sent out on your behalf.

Along with the new dispute document, you will receive a status update report showing the progress and deletion of accounts to date.

You can access your account at any time to check for updates through your monitoring system.