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Blacklist? You mean credit report we assume. Once bankruptcy has been reported to the credit bureaus, your credit rating is seriously affected, and that bad rating might stick on that report for anywhere between 7 to 15 years. Even though you have settled the entire debt (after the bankruptcy), you are still an "at risk" borrower based on prior history of not paying on time or not paying at all for whatever reason.

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15y ago
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Q: You are a bankrupt charged by a bank but I have recently paid up all the debts How do you clear my name from the blacklist from bank negara?
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