A BKR registration raises questions among many people. The information is often fragmented and complex, while the impact can be significant — especially when a registration stands in the way of taking out a mortgage, loan or lease.

In this comprehensive guide from Arslan Advocaten we clearly explain:

• what a BKR registration is

• when you are registered

• what the difference is between a positive and negative registration

• what consequences this has for your financial options

• how to request your registration

• in which situations legal support may be required

Arslan Advocaten offers objective legal advice about BKR registrations, especially when a registration seems unjustified, has disproportionate consequences or is contrary to the lender's duty of care.

What is a BKR registration?

The Credit Registration Bureau (BKR) registers credits and payment arrears to:

1. give lenders insight into your creditworthiness

2. protect consumers against excessive financial burdens

The BKR registers including:

• personal loans

• revolving credits

• credit cards with spread payments

• overdrafts above € 250

• private lease

• telephone subscriptions with device on installment

• arrears mortgages

Everyone who takes out a loan receives a registration. This in itself is not negative.

Positive BKR registration

A positive registration means:

• there is a loan/credit

• there is no payment arrears

• there are no special codes

This is normal and affects millions of Dutch people for.

A positive registration can influence:

• the amount of your mortgage

• the maximum amount you can borrow

Because the repayment of a current loan counts in the mortgage calculation.

Important:

• a positive registration remains visible for five years after termination of the credit

• cannot be deleted, unless there is an error or misregistration. These registrations are indicated with:

  A coding (Arrears)

  There is or has been a payment arrears.

  H coding (Recovery)

  The arrears have been caught up, but remain visible.

  In addition, numerical codes can be added, such as:

  • 1: payment arrangement affected

  • 2: credit is claimed in its entirety

  • 3: (partial) remission or write-off

  • 4: inaccessible to the lender for a longer period of time

  • 5: preventive scheme for mortgage arrears

  Impact on your financial possibilities

  A negative registration can:

  • make it more difficult to take out a mortgage

  • lead to rejection of a loan

  • cause restrictions on private leasing

  Even after recovery (H coding), the registration remains visible for five years.

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  When will you receive a BKR registration?

  You will be registered with:

  • credits > €250 with term > 1 month

  • overdraft above €250 (even if you are not overdrawn)

  • private lease

  • device on installment basis in a telephone subscription

  • “pay afterwards” at certain online stores

  • mortgage arrears of more than three installments

  No registration for:

  • study debt (DUO)

  • CJIB fines

  • Tax authorities debts

  • health insurance debts

  Please note: these debts do have an effect on the financial capacity for mortgage applications.

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  taken into account by lenders

• remains visible for up to five years after repayment

• can have far-reaching consequences for business and private finances

If a registration is disproportionately heavy, legal intervention may sometimes be necessary.

BKR registration and mortgages

During a mortgage advice meeting, this is almost always asked to BKR registrations. Many consumers only discover at that moment that they:

• have a registration due to an old telephone subscription

• have a backlog registration that is still visible years later

• have an incorrectly or unclearly registered coding

Positive registration

• usually no problem

• but it does influence the maximum loan sum

Negative registration

• can block a mortgage application

• recovered arrears also remain visible

• urgent legal advice is sometimes necessary, for example if the deed of sale has already been signed

Request your own BKR registration

You can request your BKR overview via iDIN (not via DigiD). You can do this via the BKR website.

You will receive:

• a digital overview, immediately visible after logging in

• possibly a paper version (can be ordered for a fee)

The overview shows:

• all current and terminated credits

• any special codes

• arrears or recovery notifications

Removing a negative BKR registration: when is this legally possible?

Arslan Advocaten supports clients in legally challenging unjustified or disproportionate BKR registrations.

A request for removal has a chance of success when:

1. the registration is factually incorrect, or

2. the registration disproportionately has a major impact on your life (weighing of interests), or

3. the lender has breached its duty of care, or

4. there is miscommunication, errors or incorrect coding.

A request has no chance of success if:

• the arrears are still outstanding

• the registration is correct, current and proportionate is

• it concerns a positive registration without any details

We assess every case carefully, because not every situation offers legal scope.

How does Arslan Advocaten assess a removal request?

1. Intake interview

We fully map out your situation and BKR overview.

2. Legal assessment

We investigate:

• whether errors have been made during the registration

• whether the registration is disproportionate

• what the consequences are for your financial situation

• whether there is reason for removal based on case law

We always provide honest advice, without false expectations.

3. Legal action

If there are legal grounds:

• we will draw up a request or objection

• we will consult with the lender

• we will substantiate why the registration must be deleted

In case of urgency (for example a pending mortgage application) we will act immediately.

4. Result & completion

You will receive a clear final report from us and legal advice for the future.

Frequently asked questions about BKR registrations

• How long does a negative BKR registration remain?

• When does a telephone subscription lead to a registration?

• When is a BKR registration unjustified?

• What is it? difference between A and H codes?

• When can a registration be legally deleted?

Do you need legal advice about a BKR registration?

A registration can have major consequences. Arslan Advocaten helps you with:

• objection in the event of incorrect registrations

• legal assessment in the event of disproportionate consequences

• removal requests based on a weighing of interests

• urgent advice on mortgage applications

Feel free to contact us for professional and honest advice.