A-code BKR: meaning, consequences and possibilities

An "A" code on your BKR record means that you have been behind on payments for two months or longer. This record remains on file for five years after you have caught up on your payments and has a significant impact on your financial options, such as obtaining a mortgage, car loan, or cell phone plan. In certain cases, it is legally possible to have an "A" code removed.

We understand how frustrating it is to keep getting turned down because of a BKR record. Maybe you’ve been dreaming of owning your own home for years, but you can’t get a mortgage. Or perhaps you need a business loan to grow your company. At Dynamiet Nederland, we’re happy to help you with personalized legal advice tailored to your specific situation. Together, we’ll explore the options for regaining your financial freedom.

How does removing a BKR code work?

What exactly does an A code mean?

An "A" code in your BKR record indicates a delinquency. This code is added to your credit record if you are at least two months behind on your payments. It is important to know that lenders are required to first send you a written warning before assigning an "A" code.

You must receive this warning letter at least two weeks in advance. It clearly states that failure to pay will result in a negative BKR record. This is your last chance to contact the lender and find a solution. At that point, a payment plan can often still prevent a negative record from being filed.

The problem with an A rating is that it remains on your record even after you’ve caught up on your payments or paid off the loan in full. The rating is only automatically removed after five years. This can really put a damper on your financial life, because lenders use this information when evaluating new applications.

“Many people don’t realize that they still have options after receiving that warning letter. Contacting the company directly and arranging a payment plan can prevent an A-code from being assigned. Once the registration is in place, it becomes much more legally complex to have it removed.”
Deepak, legal specialist at Dynamiet Nederland

The difference between A-coding and H-coding

Once you have caught up on your payments or paid off your debt, the A code does not disappear. Instead, an H code is added. The H stands for “recovery” and indicates that the problem has been resolved.

Both codes will remain on your record for another five years from the date of resolution. For lenders, this distinction does make a difference. An A code accompanied by an H code indicates that you have resolved your issues, which is viewed more favorably than an A code alone.

Some mortgage lenders are even willing to help people with one A-code and one H-code, provided certain strict conditions are met. They will, however, require a valid explanation for the situation, such as illness, divorce, or job loss. You must also be able to demonstrate that your current financial situation is stable.

When can you legally have an A-code removed?

Fortunately, there are legal avenues for having an A-code removed. Especially since several key rulings by the Supreme Court, the options available to consumers have expanded. The key issue here is whether the registration places a disproportionate burden on you in your specific situation.

There are several grounds on which removal is possible. In cases of disproportion, the impact of the record is out of proportion to the severity of the delinquency. Consider, for example, a minor delinquency with major consequences for your future. External circumstances such as illness, job loss, or divorce may also play a role.

In addition, the lender must properly balance the interests involved. They cannot simply follow the protocol blindly without considering your personal situation. Privacy legislation (GDPR) also sets requirements regarding the proportionality and necessity of data collection.

Gathering the right supporting documents is crucial for a successful case. Medical statements, correspondence with the lender, and evidence of your efforts to reach a resolution are all valuable. At Dynamiet Nederland, we help you build a strong case.

Not every A-code can be removed. If the delinquency resulted from deliberate non-payment without extenuating circumstances, removal is often not possible. We are always honest about your chances and only recommend legal action if we see a realistic chance of success.

Regain your financial freedom

An A-code doesn’t have to spell the end of your financial dreams. With the right legal support, there are often more options than you might think. At Dynamiet Nederland, we’ve helped thousands of people since 2012 have their records expunged and get their lives back on track.

We understand how difficult it is to constantly run into closed doors. Whether you want to buy a home, grow your business, or simply regain your financial freedom, we’ll work with you to explore your options. Our team of 25 specialists is ready to provide you with personalized guidance.

Don’t wait any longer to take the first step toward your financial freedom. Contact us today for a free consultation and find out what we can do for you. We’ll discuss your situation, analyze your options, and provide honest advice on the best approach.