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  • FIRST POST
    • skorpio555
    • By skorpio555 6th Apr 18, 5:11 PM
    • 10Posts
    • 2Thanks
    skorpio555
    how long will my blacklist last ?
    • #1
    • 6th Apr 18, 5:11 PM
    how long will my blacklist last ? 6th Apr 18 at 5:11 PM
    i borrowed money from banks and used all my overdrafts, 3 years ago.

    when should i be able to get to borrow again, now im in good job etc and wont make the mistake again.

    i still getting bills from debt recovery companies though
Page 1
    • zx81
    • By zx81 6th Apr 18, 5:13 PM
    • 16,462 Posts
    • 17,515 Thanks
    zx81
    • #2
    • 6th Apr 18, 5:13 PM
    • #2
    • 6th Apr 18, 5:13 PM
    You're not on a blacklist.

    Lenders will view you more positively once debts are repaid and defaults have disappeared.
    Last edited by zx81; 10-04-2018 at 6:07 PM.
    • Gary_Dexter
    • By Gary_Dexter 6th Apr 18, 5:13 PM
    • 945 Posts
    • 525 Thanks
    Gary_Dexter
    • #3
    • 6th Apr 18, 5:13 PM
    • #3
    • 6th Apr 18, 5:13 PM
    There are no blacklists.

    You obviously still owe money - check all 3 credit reports to see whats there in terms of defaults of overdue accounts
    • Money maker
    • By Money maker 6th Apr 18, 5:31 PM
    • 4,966 Posts
    • 11,287 Thanks
    Money maker
    • #4
    • 6th Apr 18, 5:31 PM
    • #4
    • 6th Apr 18, 5:31 PM
    Probably the same answer as your thread 2 months ago.
    Please do not quote spam as this enables it to 'live on' once the spam post is removed.

    If you quote me, don't forget the capital 'M'

    Declutterers of the world - unite!
    • Nasqueron
    • By Nasqueron 6th Apr 18, 5:36 PM
    • 4,319 Posts
    • 2,533 Thanks
    Nasqueron
    • #5
    • 6th Apr 18, 5:36 PM
    • #5
    • 6th Apr 18, 5:36 PM
    There are no industry wide blacklists though your credit record showing unpaid debts etc will reflect on those willing to lend to you for the 6 years that these stay on your record. If you don't / didn't pay off the debts, individual firms may choose not to lend to you again
    • elsien
    • By elsien 6th Apr 18, 5:44 PM
    • 16,201 Posts
    • 40,933 Thanks
    elsien
    • #6
    • 6th Apr 18, 5:44 PM
    • #6
    • 6th Apr 18, 5:44 PM
    It seems slightly contradictory to say you are now on a good wage and won't make the same mistakes with regards to debt, then negate this by asking to borrow more money when you appear not to have repaid the last lot.
    Have you considered trying to live within your means for a while?
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • tastyhog
    • By tastyhog 7th Apr 18, 1:54 AM
    • 378 Posts
    • 617 Thanks
    tastyhog
    • #7
    • 7th Apr 18, 1:54 AM
    • #7
    • 7th Apr 18, 1:54 AM
    3 or 4 years will likely see you being able to get mainstream cards again, providing you keep your record clean in the meantime.
    • robber2
    • By robber2 7th Apr 18, 8:45 AM
    • 339 Posts
    • 281 Thanks
    robber2
    • #8
    • 7th Apr 18, 8:45 AM
    • #8
    • 7th Apr 18, 8:45 AM
    Any lender is entitled to keep their own record of persons they would not want to do business with (a blacklist if you like) without time limit so the answer to youe question is ;

    potentially for the rest of your days.

    If you want to improve your chances of getting into debt again make sure you go to lenders that you havnt used before
    • Dobbibill
    • By Dobbibill 7th Apr 18, 9:26 AM
    • 2,930 Posts
    • 3,907 Thanks
    Dobbibill
    • #9
    • 7th Apr 18, 9:26 AM
    • #9
    • 7th Apr 18, 9:26 AM
    There is no blacklist as such but it isn't going to disappear overnight.
    Information is held on your credit report for 6yrs.

    Sit down and work out how much you owe and to whom.

    Head over to the DFW board and post a SOA.

    Pay off all your debt.

    Then only borrow what you can afford to pay back but make the most of it with cashback credit cards etc.
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
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    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.


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    • Thrugelmir
    • By Thrugelmir 7th Apr 18, 9:39 PM
    • 58,226 Posts
    • 51,588 Thanks
    Thrugelmir

    i still getting bills from debt recovery companies though
    Originally posted by skorpio555
    What's your response to these "bills"?
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • DCFC79
    • By DCFC79 7th Apr 18, 10:59 PM
    • 31,465 Posts
    • 19,870 Thanks
    DCFC79
    i borrowed money from banks and used all my overdrafts, 3 years ago.

    when should i be able to get to borrow again, now im in good job etc and wont make the mistake again.

    i still getting bills from debt recovery companies though
    Originally posted by skorpio555
    Why the rush tp get credit ?
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • skorpio555
    • By skorpio555 10th Apr 18, 5:53 PM
    • 10 Posts
    • 2 Thanks
    skorpio555
    dont understand you
    • Gary_Dexter
    • By Gary_Dexter 10th Apr 18, 6:10 PM
    • 945 Posts
    • 525 Thanks
    Gary_Dexter
    dont understand you
    Originally posted by skorpio555
    If youíre still in debt with DCAís chasing you then why do you want more credit?
    • dazzaofdagenham
    • By dazzaofdagenham 10th Apr 18, 7:45 PM
    • 1,138 Posts
    • 383 Thanks
    dazzaofdagenham
    If you got into trouble with credit before, why be so willing to do so again ?

    Like you, I had debt several years ago and am just now getting mainstream cards aga8n.

    WHY ?

    It makes life easier in budgeting and ordering goods / services online.

    But he rest assured I ain!!!8217;t getting into debt again....aqua have increased my limit twice in a year and I have a amazon basic credit card.....but boy o boy.....am I careful..

    Please study your existing debt and try and pay it off.
    • John-K
    • By John-K 10th Apr 18, 9:01 PM
    • 514 Posts
    • 732 Thanks
    John-K
    dont understand you
    Originally posted by skorpio555
    People are hinting at the fact that you do not seem to have paid back what you owe yet, so you probably should not be trying to borrow more money.

    Do you understand this? You should not be looking to borrow more money if you still canít pay back the last lot.
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