[Concerns Edition] Vol. 4 Do you think "I can't because I'm blacklisted"? Things you should know before giving up and thinking "I can't borrow anymore."
"I think I'm blacklisted, so it's impossible for me anywhere now."
This is one of the consultations I actually receive quite often.
However, when I listen to the details,
"Because I saw it on the internet."
"Because a friend told me."
There are not a few people who have decided it is impossible for them based solely on reasons like these.
This time, I will explain as clearly as possible about "blacklisted," which many people misunderstand.
There is no list called a "blacklist."
First, I want you to know that
there is no such thing as a list named "blacklist".
What is generally called "blacklisted" is a term often used to refer to a state where information regarding contracts and repayments, such as delinquencies, is registered as credit information.
In other words,
"I'm blacklisted, so it's over."
It is not that simple.
In the screening process, various information including your current situation is checked.
Just because you were turned down once does not mean everything is over.
Just because you didn't pass a screening once,
"It's impossible anywhere now."
There are not a few people who think this way.
However, screening processes take various factors into account, such as the specific criteria of each lender and your situation at that time.
On the other hand,
"Then I should just apply to every single one."
This way of thinking is also not recommended.
Applying to many companies in a short period can sometimes work against you in the screening process, so rather than acting in haste, it is important to first organize your situation.
It is dangerous to rely solely on information found online.
On social media,
"You can definitely borrow."
"Anyone can get approved here."
You may come across such posts.
However,
・Annual income
・Employment status
・Borrowing status
・Repayment status
・Reason for needing funds
These are different for every individual.
That is precisely why,
the results of others do not necessarily apply to you.
The most important thing is to know your 'current situation'.
"Because I'm blacklisted."
"Because I was rejected before."
Giving up just because of those words is a real shame.
First,
✅ How much you currently owe
✅ How much you are repaying each month
✅ Why you need the funds
By organizing these situations, it becomes easier to see what you should consider next.
Summary
"It's impossible because I'm blacklisted."
Even if you think that, it is important to first have the correct knowledge.
✔ There is no actual list called a "blacklist."
✔ Just because you didn't pass a screening once doesn't mean you will get the same result every time.
✔ It is important to organize your current situation before rushing to apply repeatedly.
Before giving up based on assumptions alone, please start by knowing your own situation.
Thank you for reading until the end.
If you found this article even a little helpful, it would encourage me if you could press the "Like (♡)" button.
Also, if you have family or friends who are worried about money or borrowing like you are, please share this article with them.
"If only I had known sooner..."
I would be happy if I could reduce the number of people who feel that way, even by one.
Moving forward, we will continue to share information to help resolve your financial worries, including:
・Knowledge to avoid losing money when borrowing
・Points you should know before screening
・Information regarding revolving payments, card loans, and financing
・Common consultation cases
and more.
Please follow us and check out our latest articles.
📚 Recommended Articles
・Vol. 1 To those who have no money left even though payday comes.
・Vol. 2 The real reason why revolving payments never end.
・Vol. 3 To those who have card loans with 3 or more companies.
・Vol. 5 That application might be putting you at a disadvantage without you knowing it.
Thank you very much for reading until the end.
