The term, blacklisted is outdated and non-applicable! The credit bureaus only listed negative information about credit user behaviour before the 1980s. Historically, creditors would keep an actual list, referred to as a blacklist, of names people, products, companies and even countries. They believed believed them to be untrustworthy or a risk to the creditor. Hence, the origination of the expression, blacklisted.
Influenced by foreign trends, credit bureaus are now obliged to disclose both positive and negative information about credit users. This has enabled improved access to credit.