No need to be so rude to Ladychef who took the time to try to help you, she's quite right, your post makes absolutely no sense in the US or in the UK- and I would seriously doubt a bank woud use the term 'credit blacklisted' as it's not a term in use in the UK, as it doesn't exist- people have a credit score nothing else, and since each lenders criteria is different you could pass with one but not with another- you're certianly not 'blacklisted'. As others have said, since you have no record of existing in terms of credit I imagine the credit checking bureaus might think you are the previous tenant applying for things under a different name in which case a CIFCAS marker might appear on your credit file, which would flag up every time you apply for anything, although this would be unusual in the circumstances you state.