Do you want to request your credit registration because you want to take out a mortgage, loan, or other credit? The Bureau Krediet Registratie (BKR) monitors which loans and credits you have. A negative credit registration can prevent you from obtaining a new loan or mortgage.
In this guide, we explain step by step how to request your credit registration, what the various codes mean, and what you can do if you have a negative credit registration.
What is a credit registration?
The BKR registers almost all consumer credits of consumers in the Netherlands. Think of:
personal loans
revolving credits
overdraft on your current account
phone subscriptions with device on instalment
purchases on instalment or "buy now, pay later"
mortgages with payment arrears
A credit registration itself is not necessarily negative. Only when a special code is added (such as A2, A3, etc.) do we speak of a negative credit registration that can limit your creditworthiness.
Request your credit registration in 3 steps
You can request your credit registration via the official BKR website.
Is requesting your credit registration free?
Yes, you can view your own BKR data online for free once a year via the official BKR website (bkr.nl). This is a digital overview and there are no costs involved as long as you choose the online option. If you prefer to receive a paper overview, the BKR charges a small fee for this. Online login is done securely via iDIN, so have your bank details at hand if you want to view your overview for free.This is done easily in three steps:
Step 1: Go to the BKR website
Visit the BKR website (bkr.nl).
Choose the option to view your data.
Log in with your bank account (iDIN) or another available login method.
Step 2: Fill in your details
You fill in, among other things:
your name
your email address
your home address
This usually takes only one minute.
Step 3: View your BKR overview
After logging in, you will immediately see:
which credits are registered
whether any special codes are listed
Would you like a paper overview? You can have an official BKR overview sent by post for a fee.
Note: check the special codes
On your overview, you will usually see a heading "Special code". If there is a code next to your name, there is a (former) payment arrears or special circumstance. These codes can cause problems when:
applying for a mortgage
taking out a personal loan
increasing a credit limit
This is what the BKR codes mean
The BKR uses letters and numbers to make it immediately clear what exactly is going on. Some common codes:
A – Arrears: you have (had) a payment arrears.
H – Recovery: you have caught up on the payment arrears.
1 – A payment arrangement has been made and you are catching up.
2 – The credit provider demands the entire remaining amount at once.
3 – The debt has been (partially) written off or forgiven.
4 – You have been unreachable for the credit provider for a prolonged period.
5 – Minor arrears on your mortgage.
9 – There is a legal dispute with the credit provider.
When are you registered and not registered with the BKR?
You do get a credit registration for, among other things:
loans longer than 1 month and higher than €250
personal loans
revolving credits
phone subscriptions with device on instalment
overdraft on your current account
"buy now, pay later" at certain online shops
mortgage with payment arrears
You do not get a credit registration for:
student debt with DUO
payment arrears with the Tax Authority
debt with your health insurer
fines from the CJIB
a mortgage that you pay off as agreed (without arrears)
Negative credit registration? Have your situation assessed
Do you have a negative credit registration and do you find it unreasonable or disproportionate? A negative registration can stand in the way for years when applying for a mortgage or loan.
Our specialised team assesses your BKR overview and investigates whether your negative credit registration can be removed.
How it works: submitting your BKR overview Would you like to know if we can help you? Simply send us your BKR overview so that we can carefully assess your situation.- You can send your BKR overview as a PDF file via email or WhatsApp.
- Via mobile: Open your BKR overview, click on 'print' at the bottom (usually displayed in blue) and choose 'save as PDF'. Does your device not have this option? Click on 'print' and send the file directly via email or WhatsApp.
- Via computer: Open your BKR overview, choose 'print' at the bottom, change the printer destination to 'save as PDF' and save the file.
How do you send your BKR overview to us?
You can easily send your BKR overview as a PDF to us, for example:
by email
via WhatsApp
Sending PDF via mobile
Open your BKR overview.
At the bottom you will see "Print" in blue.
Click on "Print" and then choose "Save as PDF" (or share the file directly via email or WhatsApp).
Sending PDF via computer
Open your BKR overview on the website.
Click on "Print" at the bottom.
Change the printer destination to "Save as PDF".
Click "Save" and send the file by email or via WhatsApp.
Tip: save your BKR overview so you can quickly find it later without having to log in again.