It's important to remember there’s no such thing as a credit blacklist - blacklisting by credit bureaus was stopped many years ago.
If you’re being rejected for credit and want to know why, the best thing to do is to ask the lender you applied with. You should also look through your credit report and accounts to see what might be negatively affecting your score.
If you’ve recently missed a payment on an account or have a judgement on your file, this could explain why the lender has rejected your application.
If you find any incorrect or unrecognised information on your credit report, then you should let Experian (our data provider) know about this.
You can contact Experian directly on 0117993403, or raise a dispute via our .
When raising a dispute with Experian, please make sure that you:
- Raise the dispute with the email registered to your ClearScore account.
- Outline the full details of your query.
- Provide your ID number.
- Attach any supporting documents.
Please be aware that Experian can take up to 20 business days to come to a resolution, though the process is usually much faster than that.
For more information about blacklisting, take a look at this .