Practice
Banking standing
The partner's guarantee contaminates the company. And the reverse is also true.
To the banks, the company and whoever guarantees it are the same record under two documents. A restriction on the individual closes the company's limit, and an old entry against the company follows the partner when he goes to buy a home. Almost always the record blocking everything relates to a debt already paid, which nobody asked to have cleared.
There is a system, fed by the institutions themselves, that holds a photograph of each entity's and each individual's indebtedness. What few know is that it can be consulted and challenged: an improper entry can be corrected, an old debt can be renegotiated at a far larger discount than the client imagines, and a closed limit can be reopened — usually at the very institution that said no.
It is the silent prerequisite of every money-related practice. No credit structure, however good, gets past a soiled record: the restriction does not appear in the conversation with the manager, it appears at committee, after weeks of work and with a no nobody explains properly. And cleaning it up usually costs far less than the spread the mess charges every month — a rate differential that, over a year of rolled debt, pays several times the cost of fixing what was recorded by mistake.
Few know that it is possible to request from the central bank a statement of one's own indebtedness as recorded by the institutions — and that closed transactions, divergent amounts and guarantees the partner did not remember giving turn up there. The search is free. Correcting what is wrong is the obligation of whoever recorded it.
Monthly fee for as long as the regularisation lasts and success on the discount obtained in renegotiations. The measure of the result is the removal of the restriction from the credit systems, verifiable by the client himself at the central bank — not our word that the matter has been resolved.
Official sources, at the exact point — the article of law, the service or the search you can use today. None replaces analysis of the specific case, which is our work.
Say in two lines what you need to resolve. An account manager replies personally, in business hours, and the conversation starts where it makes a difference.
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