Process of credit correction and restoration

The phrase “(The Devil is in the Detail)” is likely not unfamiliar to those reading this column. In simple terms, it means that any problem or mysterious element is hidden in the details, in the small places easily overlooked. Going further, it implies that while something may seem easy at a glance, achieving successful results requires pouring more time and effort into the specifics. “The devil is in the detail” is the most important commandment to always remember in the process of credit correction and restoration, known as the “First Commandment.”

Credit correction begins with checking the customer’s Credit Report. This is where the concept of “the devil in the detail” applies. Credit consultants conducting consultations must pay attention not only to the overall problems with the customer’s credit report but also to the specifics of how each account’s issues have progressed. It’s akin to a doctor accurately diagnosing a patient’s condition for successful treatment. Only with accurate and detailed diagnoses can rational and realistic solutions be derived.

For example, if there is credit card debt unresolved for about six months, it’s wise to negotiate with creditors (banks, collection agencies) and concurrently pursue credit correction. Conversely, if there is long-standing debt that has gone to collections, opting for legal Dispute is a priority solution. Due to these mechanisms, it’s important not to fall for advertisements like “solve everything by paying a few hundred dollars,” without conducting detailed analysis. Credit correction and restoration do not merely conclude by resolving a couple of issues. To reach a point where customers can obtain what they desire (credit cards, loans, cars, mortgages, etc.) through their credit, they must consider building up their credit from the outset.

In this context as well, “the devil is in the detail” is rigorously applied. Actions such as securing new credit content (Tradeline) or applying for appropriate credit cards must be carried out in conjunction as needed. Without these detailed efforts, even if the problems with credit are resolved, customers may face absurd consequences of being unable to utilize their credit. The devil is in the detail. Only by meeting credit professionals who can faithfully adhere to this adage can customers achieve what they desire in a short time. Even the success or failure of ten years hinges on a single choice, which also depends on the details.