Will being recorded on the VRS database mean that a vulnerable customer could be declined credit?

Will being recorded on the VRS database mean that a vulnerable customer could be declined credit?

Our Agreements with our users do not permit them to automatically decline registered consumers for credit unless those consumers, or those acting on their behalf, have specifically stated that applications in their name should be declined. We monitor and audit searches of the VRS database to ensure that its use is in compliance with the Agreements we have in place.