What is a BKR H coding?

A BKR H code is also called a Recovery Notice. It is a code added to a credit or loan in your name on which you have fallen behind on payments in the past. The H coding shows that these arrears have been cleared.

How does a BKR H code removal work?

Removing a BKR H code always begins with our free, no-obligation intake interview. There, one of our specialists will discuss the situation with you. We map out your possibilities and opportunities for BKR H code removal. It also plays an important role how this BKR H code stands in the way of your life. Especially when such a code places a disproportionate burden on your life - for example, interferes with your ability to obtain a mortgage - a request for removal of a BKR H code certainly has a chance of success.

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Negative BKR registration: What is it and how do you get rid of it?

Written on October 10, 2019 by Mr. Lisa van Gulik

Trial lawyer

If you take out a loan, mortgage or phone contract, for example, with BKR, it will be registered and recorded with BKR. This is a neutral or 'positive' registration. The moment you default on your payment obligation for an extended period of time, the registration changes to a negative BKR registration.

A negative BKR registration means that in many cases you cannot take out new credit, think about applying for a (new) loan, taking out a lease or a new phone.

Here's how to avoid a negative registration and what you can do to get rid of a negative registration.

How does removing a negative BKR registration work?

Requesting an intake interview

When do you get a negative BKR registration?

A negative BKR registration occurs because you do not or cannot meet your monthly financial obligations. Depending on the type of credit, a negative registration results from:

a bank account that you are allowed to be in the red and do not replenish it (on time);
a credit card, but you do not repay (on time);
a personal loan or revolving credit, but you do not repay (on time);
A deferred payment, but you don't pay;
a private lease contract, but you do not pay the monthly amount (on time);
a mobile with your subscription, but you don't pay the monthly fee (on time);
a mortgage, but you miss more than three payment terms.

As mentioned, you will be registered "positive" in case you take out credit. A registration remains positive if you neatly meet your payment obligations. If you fall behind by not paying on time, you will receive a negative registration.

How can you tell if you are facing a negative registration? Every BKR statement shows general information. Negative registrations show additional information under the heading "particulars. This is because a negative registration shows particulars: the negative code(s).

The different types of coding explained

A codes
H codings
A2 coding
A3 coding
The numbers (1 to 5)

A codes

The A code stands for arrears notification.

H codings

The H coding represents a recovery notification.

A2 coding

These are two codes: the A and 2 coding. The A stands for an arrears notification and the 2 stands for claiming the debt. Usually at that point the debt is turned over to a collection agency.

A3 coding

These are two codes: the A and 3 coding. The A stands for arrears notification and code 3 can have two meanings. A write-off on receivable or a waiver has occurred.

The numbers (1 to 5)

The code 1 represents an affected payment arrangement
The code 2 represents claiming the entire claim
The code 3 can have two different meanings:
Write-off
Waiver
The code 4 represents inaccessibility
The code 5 stands for preventive mortgage payment plan

Preventing a negative BKR registration

Very briefly, pay on time. By meeting your financial obligations, you ensure that your record remains positive.

A negative BKR registration does not come as a surprise. When you don't pay on time, the lender will first send you several reminders, reminders or warnings. Do you still pay? Then you can avoid a negative registration. Then you will receive a notice warning you about the negative registration. This is your last chance to avoid negative registration.

Prevention is better than cure. Do you have a small budget each month? Sometimes a loan can help, but always keep in mind the monthly expenses. Therefore, when taking out a loan, think carefully already about your ability to meet the financial obligations.

Getting rid of a negative BKR registration

Are you dealing with a negative BKR registration and are you hampered by it? It is possible to get rid of the registration.

Step 1: Check data:

Check that the information on the BKR statement is correct. It often happens that there are wrong or still outdated data on the BKR statement, such as missing an end date or incorrect dates. In that case, contact the lender with a request to change it.

Step 2: Remove:

You can do a lot yourself to get your negative BKR registration removed.

Please note that getting rid of a BKR is not done overnight; this is a long-term process. A lot of (free) time goes into it and you will need to learn about the BKR system to fully understand the terms in order to write a good removal request.

Enable Dynamite Netherlands

Do you need help with the removal of your BKR registration? Dynamite Netherlands is the expert in removing (negative) BKR registrations. If you can't see the forest for the trees or don't have the patience and time to remove your BKR-registration yourself, please contact us. Dynamite Netherlands' expertise ensures that the success rate is higher than if you make an attempt yourself.

Are you curious about your options? More is possible than you think! Please contact us for more information. During the free intake interview, one of our customer advisors will inform you about the options for removing your registration(s) and the total cost of our service.

Free intake consultation on removing your BKR registration.
Specialists for each specific problem
Always pay a predetermined fixed amount, so no surprises
Satisfied customers: an average of 8.9/10 from over 1,500 reviews
Apply today = helped tomorrow!

Watch the video in which Mr. Frank Visser (known from the driving judge) explains how Dynamite Netherlands is committed to removing negative BKR registrations.