If you are blacklisted, it means you have been identified as a risk on all the credit bureaus - there are more than one - and won't be eligible for financial assistance or services such as home loans or vehicle finance until you have settled all your debt. Before a credit provider will consider reviewing your application for financial assistance in future, and to reverse the process, you have to first repair your credit history by paying back all the money you owe, with interest. To prevent becoming blacklisted, make sure you don't overextend yourself financially by applying for more credit than you really need. This means avoiding the temptation of ‘buy now, pay later'. Instead, make sure you can afford to pay all your debtors - clothing retailers, car finance, home loan, credit cards - with your current monthly salary and prevent falling into the red at month-end.