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Questions & AnswersBlacklisted
winiswa asked 3 years ago

How do I know if I’m blacklisted?

1 Answers
Matthys Potgieter Staff answered 3 years ago

Good day,

Thank you for getting in touch.

Creditors use your credit record to decide whether you qualify for credit. If your credit record shows that you are behind on repayments it is unlikely that they will approve your credit application, that is what it means to be blacklisted.

So the best way to see if you are blacklisted is to check your credit record. You can check your credit record with any credit bureau. TransUnion is the best, so we would suggest pulling your record there. By law you are allowed to pull your credit record for free once a year. Here is a link to TransUnion’s site.

Also keep in mind that there are 4 major credit bureaus. TransUnion, Experian, XDS and Compuscan. It can be that some of these other credit bureaus have not yet updated your profile, so it would be advisable to check your score with all of them.

Have a great day.