Credit check your customers (yes, even the “good ones”)

One of the most common phrases heard in credit control is:

“We’ve worked with them for years. They’re fine.”

Sometimes that’s true. Sometimes the credit file tells a very different story.

Businesses change. Directors move on. Cash flow tightens. A credit limit that made sense three years ago may now be completely out of step with reality.

A New Year credit review isn’t about punishment — it’s about aligning risk with the present day.

Good credit management means:

• Reviewing credit limits regularly
• Running fresh credit checks on active customers
• Adjusting limits before problems appear, not after

If a customer questions it, the explanation is simple and neutral:

“We review all accounts at the start of the year.”

No accusation.
No confrontation.