There is no such thing as a black list. It simply means that there are negative data on your credit report that is hosted at a Credit Bureau. This negative data can be anything, from a plain collection on one
January is a month when most consumers review their budget and plan for the coming year. Certain monthly debit orders will always take priority and for most this will be your mortgage bond, municipal accounts, groceries and your medical aid.
Debt does not last forever, after a period of time it prescribes and becomes invalid. Prescribed debt can be explained as old debt that has not been acknowledged over a period of three years. This means that a debt prescribes