We are frequently contacted by people who have been told (usually by a creditor when they want to apply for more credit) that they are “blacklisted”. These clients often assume that this is either a form of legal action (like a judgement) or a type of block that has been placed against their name to prevent them from applying for credit, but this is not that case. The following article sheds good light on what “blacklisting” actually means, with authoritative input from someone “in the know”, namely the Consumer Brand Manager at the TransUnion Credit Bureau :

http://www.fin24.com/Money/Debt/What-your-credit-record-says-about-you-20150925.