EON have ruined an excellent credit rating

[Deleted User]

Because there aren't.

Why would anyone pretend there are?

tykesi

You'd think such a seasoned MSE user would be a bit more savvy than to believe in magical blacklists. And also to notice they're responding to a post from 18 months ago.

cjmillsnun

Brooker_Dave wrote: »

Yes there are.

Why would anyone pretend otherwise?

No there aren’t.

What there are are records these detail amounts of debt and payments and are sent to and held by Credit Reference Agencies. Lenders use these records along with their personal dealings with you and details on your application to make a decision as to whether they decide to lend or not.

Now it does happen that occasionally the records reported to the CRAs are incorrect and there is a process to get that changed by going through the complaints procedure highlighted by the company concerned.

But there is no blacklist.

Brooker_Dave

cjmillsnun wrote: »

But there is no blacklist.

They are all blacklists, lists of which citizens who should not be employed, provided with utilities at a normal terms, those who should not be rented property and those who should be barred from financial products of any kind.

Could not be any more obvious, astonishing that their PR brainwashing has worked so well.

At least with GDPR, and the right to be forgotten, we can (those of us with backbones that is) erase ourselves from said blacklists.

[Deleted User]

At the risk of repeating others - there are NO credit blacklists

Victim_of_crank

!!! wrote: »

At the risk of repeating others - there are NO credit blacklists

I see you are as accurate here as you were on 'my' thread.
Which means, very inaccurate.
My employers had derived a large part of their large income from compo claims against people wrongly on credit blacklists.
Which therefore exist.
Perhaps your confusion is caused by your failure to grasp that "credit blacklist" is shorthand for credit histories containing such data that they provide a profile to whom few reasonable people would offer credit?
Is there an 'ignore' button here?

[Deleted User]

That's a credit file. Which is named as such.

Otherwise it would be called a credit blacklist. Of which there is no such thing.

takman

Victim_of_crank wrote: »

I see you are as accurate here as you were on 'my' thread.
Which means, very inaccurate.
My employers had derived a large part of their large income from compo claims against people wrongly on credit blacklists.
Which therefore exist.
Perhaps your confusion is caused by your failure to grasp that "credit blacklist" is shorthand for credit histories containing such data that they provide a profile to whom few reasonable people would offer credit?
Is there an 'ignore' button here?

So you think that anywhere that data or information is contained about someone is a blacklist.
Using that logic Facebook, Twitter, Newspapers, Noticeboards, Forums and basically any medium that information can be stored about people is a blacklist. You need to look up the definition of a blacklist, a credit blacklist is a specific list (of in this case people) who would be excluded from being give credit. No list exists and a collection of data used to make a decision is in no way a blacklist.

Brooker_Dave

!!! wrote: »

That's a credit file. Which is named as such.

Otherwise it would be called a credit blacklist. Of which there is no such thing.

They sanitize the names of things to keep the sheeple happy.

Obviously most people capable of free thought see straight through the scam.

Thus speed cameras are "safety cameras", and CRA blacklists are "credit files"

HTH.

[Deleted User]

Sheeple? Pot-kettle.

Now back to your tin-foil room...