Blacklisted?

Need a Blacklisted Loan?

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We here at Credit Problems No Problem hear from many people who state “I’m blacklisted - can you help me, I‘m in desperate need of a Blacklisted / CCJ Loan?” or “My house is blacklisted - I cannot get an unsecured loan anywhere, what can I do?”

To the person that asks “I’m blacklisted - I need your help urgently, as I‘m in desperate need of a Blacklisted / CCJ Loan?” we talk them through their bad credit history and explain that unless they are currently bankrupt we can normally place their Blacklisted /  CCJ loan application with a reputable lender.

So Call 0800 412 5634 TODAY  

or Apply Here.

Blacklisted? - the Myth Explained

Blacklisted is not an official term but an expression used by many to describe people who feel their adverse credit history makes it unlikely they would be accepted for finance.

To those who believe their home is blacklisted - Credit Problems No Problem explain that until a couple of years ago the Credit Rating Agencies for example Experian or Equifax, when asked by a lender what a ‘person’s credit rating was‘, would also state the credit rating of all other persons living at the address - so a lodger for instance that had bad credit and therefore could be ‘classed as blacklisted‘ had their ‘blacklisted credit rating‘ shown together with the homeowner of ‘good credit rating‘ indicating to a lender that by association the homeowner could also be regarded as ’blacklisted’ as well, this happened regardless of a financial connection between them or not.

But that is no longer the case when a lender requests your financial credit rating from a credit rating agency only your information is given to the lender, unless you have a financial connection with another person. For example

• A joint bank account
• A Joint mortgage
• You have stood guarantor for someone
• You and another took out finance together
• You have a joint credit card
• Or any other type of joint finance

The lender will only see your financial information, but if you do have a financial connection as per above, the lender will see both your information and your financial connections information.

Another reason to be very careful should you be asked to stand guarantor for someone, as your credit ratings would be shown jointly and therefore by association again the word ‘Blacklisted’ could apply! If your financial connection’s credit rating was seen to be ‘Blacklisted’

Finance providers use credit rating agencies to see how well people pay their debts. Most use big agencies like Experian and Equifax.

People with bad credit ratings often describe themselves as “blacklisted” if a lot of lenders refuse them loans.

Have no fear – Credit Problems No Problem could still help you. We have access to many lenders who specialise in poor credit loans, bad credit loans, or even CCJ loans.

So Free Phone 0800 412 5634 TODAY  

or Apply Here. for our

No Fuss Service GUARANTEED