There is no way to tell if an individual is on a blacklist. They may notice none of the employers in a certain industry seems to be giving them a chance, which could easily lead someone to believe they've been blacklisted, but there is no way to know for sure unless someone comes out and tells that person.
Checking if Your BVN is Blacklisted via the Online Portal
If you have a blacklisted BVN, the following message will be displayed: “Your BVN is blacklisted. Please visit any bank for further information. “ You can also visit the Credit Bureaus of Nigeria website and request a free credit analysis report.
Once you have been blacklisted you will have a bad credit record for anything from 2 – 10 years, depending on the type of listing that you have against you, but even after this period of time, a judgment can be issued against you if you have not paid the money that you owe.
Although the blacklist had no official end date, it was generally recognized to have weakened by 1960, the year when Dalton Trumbo – a CPUSA member from 1943 to 1948, and also one of the "Hollywood Ten" – was openly hired by director Otto Preminger to write the screenplay for Exodus (1960).
The most straightforward method is to settle the outstanding debt. TransUnion, one of South Africa's prominent credit bureaus, suggests that paying off the debt usually results in your name being removed from the blacklist within 7 to 20 days.
How do I obtain the Proof of Blacklisting? You can contact your Network Provider(s) to request it. Once your Provider(s) has/have confirmed that the phone has been blacklisted, they will send you an email receipt which you will then need to forward to us for the assessment of your claim.
Myth 1: Being Blacklisted Is Permanent
This is not true. Negative listings, such as missed payments or judgements, remain on your credit profile for a fixed period—usually 12 to 24 months for smaller transgressions and up to 5 years for more serious issues like court judgments.
The first step is to pay your entire outstanding amount on your debt followed by getting the clearance from your bank. You will have to obtain a No-Objection Certificate (NOC) from your bank post the payment of your dues in order to get your name removed from the defaulters list.
Specify the IP address, domain name, or email address you want to check in the updated blacklist databases. Enter only a single query in one attempt. Click on “Check in Blacklists” to run our blacklist checker.
Contact your bank directly, through the customer service department via phone, email, or visit a branch in person. Check online using the BVN portal platform by the Central Bank of Nigeria (CBN).
Impact of blacklisting on individuals
The impact can be both financial and personal, affecting their ability to access credit, find employment, or even rent a property. One of the most immediate and tangible impacts of blacklisting is the difficulty in obtaining credit or loans.
To check if you are blacklisted, you can receive an annual complimentary credit report. This can be obtained from any of the prominent credit bureaus in South Africa. The report provides information on your credit score and allows you to review for any potential inaccuracies.
The severity of the issue, the credit reference agency, and the reported information can determine how long you are blacklisted. Negative information on your credit record normally stays for six years before being deleted.
The more open and honest you are, the simpler it may be to have your IP address removed from the list. You should be able to resolve any blacklist issues online. If you're having difficulty with the removal process, try contacting the list maintainer by phone and see if that helps to resolve the issue.
Anyone who appears on a blacklist may be barred from getting funding, doing business, or getting jobs.
Pay the debt
Often, you can negotiate a settlement with them. Afterward, you can ask your creditor to write a letter to the credit bureaus exonerating you of the debt because you've paid it. The credit bureau will then delete the blacklisting. The creditor is, by law, not obliged to write such a letter.
This can occur within a single company, across a group of companies, or even throughout an entire industry. Once a person is put on a blacklist, they may find it exceedingly difficult to secure employment within that sector. The implications of blacklisting are significant.
Phones are not blacklisted for no reason, usually because the phone has been reported lost or stolen and is the subject of an insurance claim in which case the phone is now the property of the insurance company.
Financial Responsibility: Although opening a bank account while on a blacklist is allowed, it's also important to concentrate on raising your credit score. Responsible financial behaviour can progressively restore your creditworthiness, such as on-time payments and debt reduction.
To check if your IP address has been blacklisted, we recommend using one of the IP checking services, such as https://mxtoolbox.com/blacklists.aspx . Here's how: Open the website and enter your IP address in the Server IP or Domain field, and click Blacklist Check.
If you are unable to pay off debts, your name will be flagged by the credit bureau, and added to a blacklist; and it will be more difficult for you to get loans in the future. The simplest way to clear your name from the credit bureau is to pay off the debt.