Have you been Blacklisted

 There is no such thing as a credit blacklist. Your Credit History only displays information about people, most of which is provided by lenders. Lending companies make their decisions based on credit scoring using the information held on your Credit Report.

Credit scoring is a method used by lending companies to help them calculate the risk involved in lending money. Most lending companies take different information into account and therefore your application may be accepted by one company but refused by another.