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More than 20 per cent of adults are barred from buying a house or car on credit because they are blacklisted by lenders, a report published yesterday showed. ... People without bank accounts blamed a lack of branches outside city centres, poor credit history, money required to open an account and identification.
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www.independent.co.uk/money/loans-credit/millions-on-cr...
www.independent.co.uk/money/loans-credit/millions-on-credit-blacklist-systematically-denied-loans-612878.html
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The simple answer is no, you are not. There is no such thing as a blacklist. Credit reference agencies only display factual information about people, most of which is provided ... If the decision was based upon your credit report, the lender should tell you the name and address of the credit reference agency they used.
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www.debtadvicebureau.org.uk/explained/credit_blacklists...
www.debtadvicebureau.org.uk/explained/credit_blacklists.html
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I work for a credit company and I can tell you that these are either never read or viewed very dimly. An address can not be blacklisted. The search information that we receive are specific to a name.
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www.theanswerbank.co.uk/Business-and-Finance/Question60...
www.theanswerbank.co.uk/Business-and-Finance/Question60957.html
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The simple answer is no, you're not. There is no such thing as a blacklist. ... If the decision was based upon your credit report, the lender should tell you the name and address of the credit reference agency it used.
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money.aol.co.uk/am-i-on-a-credit-blacklist/article/2005...
money.aol.co.uk/am-i-on-a-credit-blacklist/article/20050914114609990001
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Your credit report includes data such as the number of loans, mortgages and credit cards you have, whether you have made your repayments on time, whether you have any court judgments and so on. Your credit report also shows whether you are on the electoral roll at the address you have given.
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www.unravelit.com/creditexpert/exploding_the_credit_bla...
www.unravelit.com/creditexpert/exploding_the_credit_blacklist_myth.html
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Name and address of credit reference agency ... However, where people are living at the same address and particularly where they have the same surname, it is possible for information about one individual to be mixed up with another's credit file.
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www.freeadviceonline.co.uk/iva_advice/why_am_i_blacklis...
www.freeadviceonline.co.uk/iva_advice/why_am_i_blacklisted.htm
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We're going to let you in to a little secret - There is no such thing as a credit blacklist! Actually, this isn't a secret at all, ... You Move Around: Credit providers look for stability – for example, living at the same address for at least three years or having a long-term relationship with the same bank. So,
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www.thecreditagency.co.uk/Credit_Report_Blacklist.html
www.thecreditagency.co.uk/Credit_Report_Blacklist.html
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An address itself cannot be blacklisted - however credit reference agencies hold information attached to individuals at the addresses where they live or have previously occupied. A poor credit rating can affect people's ability to open a bank account, get certain jobs or even apply for a mortgage.
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firstrung.co.uk/articles.asp?pageid=NEWS&articlekey=861...
firstrung.co.uk/articles.asp?pageid=NEWS&articlekey=8614&cat=44-0-0
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Read part two of 'Exploding credit blacklist myths' ... Your credit report also shows whether you are on the electoral roll at the address you have given. Lenders use this to check that you live where you say you do. There will also be a record of the name of anyone you are financially connected with.
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www.upmystreet.com/properties/article/credit-blacklist-...
www.upmystreet.com/properties/article/credit-blacklist-myth.html
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