A BKR or EVR registration can have major consequences for your financial future. Think of a refused mortgage, no business financing or even problems opening a bank account. Many people think that they cannot do anything about this. That is incorrect.
On this page you will find a complete overview of everything you need to know about BKR and EVR registrations: when they are justified, when they are not, and what legal options you have to take action.
This page serves as a knowledge and starting point for anyone who has to deal with a registration.
What is the difference between BKR and EVR?
An BKR registration is maintained by Stichting BKR and mainly concerns loans, payment arrears and credit obligations.
An EVR registration (External Referral Register) is used by banks and insurers in the event of (alleged) fraud or serious irregularities. This registration is less transparent and often has more serious consequences.
👉 Both registrations have a different purpose, but can seriously limit your financial freedom of movement.
When is a registration unlawful?
Both BKR and EVR registrations must meet strict legal requirements. In practice this often goes wrong. Consider:
insufficient evidence
no weighing of interests
disproportionate consequences
errors in registration or coding
A registration is not inviolable and can in many cases be corrected or deleted.
In-depth per subject
Below articles delve deeper into the most important questions and misunderstandings surrounding BKR and EVR registrations.
1. EVR registration: when is it unlawful?
In this article you can read:
when an EVR registration is legally untenable
what mistakes banks often make
how you can enforce its removal
👉 Read more here about when an EVR registration is unlawful.
2. BKR registration after repayment: why does it remain?
You have paid off everything, but the registration remains visible. In this article we explain:
why this happens
when this is unjustified
what steps you can take
👉 Read here when a BKR registration can be deleted after repayment.
3. EVR registration due to fraud: when does a bank go too far?
A fraud registration has a huge impact. In this article we discuss:
what banks understand by fraud
when evidence is lacking
why proportionality is often lacking
👉 Read here when a fraud registration goes too far goes.
4. BKR or EVR: what does a mortgage provider really see?
Not every registration automatically leads to a rejection. In this article you can read:
what mortgage providers actually check
what is important and what is not
when a rejection can be unjustified
👉 Read here what a bank really sees when applying for a mortgage.
5. Common misunderstandings about BKR and EVR registrations
Many people do not take action due to incorrect assumptions. In this article we list the facts:
what is incorrect?
what is often misunderstood?
when does action make sense?
👉 Read the most common misunderstandings explained here.
Why timely legal advice is important
The longer a registration remains states:
the greater the financial damage
the more difficult recovery becomes
the more limited your options
Early legal assessment increases the chance of:
correction
reduction of the duration
complete removal
Conclusion: BKR and EVR registrations require customization
Every registration is different. What is justified in one case may be legally untenable in another. Blanket assumptions or one-size-fits-all solutions rarely work.
This hub page will help you understand:
where you stand
which articles are relevant to you
when it makes sense to take action