Colloquial term for someone with a poor credit score, originating from Gentlemen's clubs, which used to 'black ball' people they did not want as members.

Technically, there is no such thing as being 'blacklisted', although some people clearly have better credit scores than others. Simply being declined for a credit application does not mean that someone is blacklisted, it just means that they do not meet the criteria for that particular institution at that time.

People who have had problems with obtaining credit could do worse than checking their credit report with expirian or equifax. It is not unusual for someone to receive a black mark against them for a credit problem they were not aware of or was not their fault.

Those with more sever problems can use their report as a starying point to rebuild their credit.

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