No, there is no such thing as a credit blacklist or a central list of borrowers who should be avoided. Lenders judge you based on the information on your credit report. Some factors, such as CCJs (County Court Judgments), might mean you will always be rejected.
If you fail to pay a debt to a lender, they can apply for a judgment from the County Court for you to pay back the money. This shows up as a CCJ on your report and can negatively affect whether you’re accepted for credit that you have applied for.
For more information about credit reports, scores and applications, visit our Learn section.