With all the interest and pertol hikes, apparently lots of people are on some or other credit regulator "black list" without even knowing it.
I found out I was on one for almost a year now when I wanted to apply for credit. I got reported for a sill little thing and now its a mission to fix. There are over 5 different credit regulators, all of them will get you refused any credit, incraease your rates etc.
These guys will do a full credit check and report on you so you know where you stand