A credit score is a range (for example, Credit Simple scores you between 0 and 1000) and there is no threshold for a “blacklist”. Further to that, there is no list of banned people. If you’ve previously defaulted on loans, credit card and/or phone contracts, Your final credit score is a culmination of a number of factors, including: Your oldest and youngest accounts, as well as the average age of all of your accounts. The age of your current line of credit. How active your accounts have been, including home loans, car or vehicle loans, private bank loans, study loans, Check your own credit report You can check your credit information for free, but if you want the information in a hurry you have to pay for a report. Your credit information can affect how companies treat you, for example when you want to borrow money or get insurance.