Can You Apply for a Personal Loan If You Have Been Blacklisted?

First off, is there such a thing as a ‘blacklist’?
The ‘blacklist’ is the bogeyman to adults, especially to those who plan on getting a new loan. But is it real or just something made up to scare people into paying off their debts?

While there is not an actual ‘blacklist’ – those with bad credit are almost as good as blacklisted when it comes to applying for loans.

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