Trying to rebuild credit, EE debt holding me back!

takman

GingerBob wrote: »

You seem to be needlessly conflating the issues of blacklists and enforcement. As you know, all the CRAs do is publish information. As to what their customers do with that information is of no real concern to them.


Consider this one: a CC merchant is interested in recruiting some new customers so he sends out a load of those dopey "you are pre-approved...." invitations. On collecting the responses he then consults the CRA blacklist to see if any of the punters are on it. Punters are on the blacklist if they have, say, more than three late payments in a 12 month period. The CC merchant asks the CRA to run an SQL query:


SELECT name, address
FROM credit_file
WHERE name IN mylist
AND COUNT(late_payments) < 3
AND record_date > current_date - 365.


The query generates a real-time blacklist. In this case excluding the potential punters that are on it. It is a 'virtual' blacklist, I'll grant you that; but a blacklist nevertheless.


It's really down to terminology. The CRAs claim they don't have blacklists simply because they haven't got a file actually called "blacklist", but in reality they are in business to compile blacklists.

I think you are really clutching at straws with this "blacklist" idea. The credit reporting agencies simply contain a database of information about the credit they have and how they use it. Then each lender just queries this database and determines if a person fits their criteria when applying for credit. But just because a person does not fit one companies criteria doesn't mean they won't fit any!.

Otherwise according to your theory any database that gets queried is a blacklist.

-So Tesco Clubcard queries their database to send dog food vouchers to customers who buy dog food!. Oh wait the customers who don't are on a blacklist!.
So every loyalty card is a blacklist!.

-Facebook targeted advertising, oh look another blacklist!

-Basically any company that keeps a database of customers

So your going to be really busy writing to all these companies complaining how they are creating "blacklists" of their customers. How dare they!