Given Judgement but Paying Successfully

What is the point of making a payment arrangement with a client and the client agrees to paying the said amount monthly successfully with proof but you go and Blacklist their name by giving them a Judgement? Which then decreases their monthly score in their profile. Without any clarification or written communication. What is that? Do you guys just give out Judgement to customers who are paying without fail? Why are you blocking clients from making future purchases with your unreasonable Judgements?