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The blacklist is removed upon the individual's own request; specifically, once the CL is closed, the client must personally visit the bank to confirm this with their signature before the CL is officially considered closed.
Everyone can see the blacklist, and honestly, dealing with the Department of Corrections is the worst possible route. They operate like private corporations that immediately deduct the sales tax from your approved loan amount right at the start, essentially forcing you to pay back taxes on money you never even actually received.
It ultimately depends on the extent of the credit blacklist and the level of one's salary; if you lack sufficient creditworthiness, then even a blacklist cannot be cleared
There are specific departments within banks designed to handle these matters, which is why formal agreements exist between credit bureaus and financial institutions. As an individual, you are simply a standard retail client
Every major bank maintains its own blacklist