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Blacklisting

The phrase "blacklisting" is often inaccurately used to refer to being denied credit due to a negative credit history. 

However, there is no centralized blacklist, and one cannot simply be "blacklisted." 

The term is a misleading shorthand and gives the impression that there is no action that can be taken to improve one's creditworthiness.

In reality, credit decisions made by banks and financial institutions are based on information from credit bureaus, which calculate a credit score based on an individual's credit history. This score considers both positive and negative credit behaviors.

Why You Should Consider an Attorney

An attorney can provide legal support and guidance to help you improve a bad credit score and get back on the path to financial stability by offering the following:

  • Review of credit report to ensure accuracy and up to date information.
  • Dispute of errors or outdated information with credit bureau.
  • Negotiation with creditors to resolve outstanding debts.
  • Lowering of interest rates or monthly payments.
  • Settlement agreement to pay off debt in full.
  • Credit repair advice and guidance.
  • Information on credit counseling services or debt management plans.
  • Legal support and guidance for financial stability.

Van Deventer & Van Deventer Incorporated – Attorneys in Johannesburg and Cape Town 

Working with one of our attorneys offers a wealth of benefits when it comes to improving a bad credit score. 

From reviewing your credit report, to negotiating with creditors, to providing guidance on credit repair, our attorneys can provide the legal support and expertise needed to get back on the path to financial stability. 

We can help you turn things around.