Removing your BKR at ABN AMRO? This is how we arrange it for you

You can have an ABN AMRO BKR listing removed within 4 to 8 weeks, provided you follow the correct procedure and provide a solid justification for why the listing disproportionately harms you. At Dynamiet Nederland, we have a 65% success rate for ABN AMRO listings, thanks to our direct contacts at the bank and years of experience with their procedures.

Is a credit record with ABN AMRO standing in the way of your dreams? Maybe you want to take out a mortgage for your first home, or you need business financing for your company. We understand how frustrating it is when an old credit record blocks your future plans. Fortunately, there are several ways to clear this record.

Written on September 10, 2025, by Deepak Thakoerdien

Co-founder & legal strategist

Key insights

Processing time for removal: 4–8 weeks on average via Dynamiet Nederland
Success rate: 65% of our ABN AMRO cases were successfully resolved
Most common entries: A2 and A3 codes for revolving credit
Expedited processing available: For urgent mortgage applications or business financing
Direct contacts: Dedicated contacts at ABN AMRO for faster processing

How does a BKR record get created at ABN AMRO?

Before we discuss how to remove your credit record, it’s important to understand how it’s created. ABN AMRO reports various types of credit to the Credit Registration Bureau. This happens automatically when you:
Take out a revolving credit line of 250 euros or more. This is by far the most common source of credit records we encounter. A prolonged overdraft on your checking account is also reported if you are more than 250 euros in the red for at least three months.

A record is also created when you spend more than 250 euros per month using a credit card. Please note: this applies even if you pay off the amount immediately. The record is created solely based on usage, not on late payments.

These records are not problematic in and of themselves. They only become an obstacle when payment arrears occur. At that point, your positive record is converted into a negative code, such as an A2 or A3 record. These codes remain visible to other lenders for up to five years after the debt has been repaid.

“At ABN AMRO, we often find that people are surprised by their credit report. They think that only delinquent payments are reported, but even simply having an overdraft or using a credit card can trigger a report. Fortunately, the bank is fairly lenient if you can demonstrate that the report disproportionately harms you.”
Deepak, legal specialist at Dynamiet Nederland

Request and review your BKR registration with ABN AMRO

The first step is always to request your complete BKR report. Only then will you know exactly what entries are listed and what the exact codes are. You can do this for free on the BKR website.

Your overview displays various details. The registration number uniquely identifies your loan with ABN AMRO. The original principal amount shows how much you borrowed. The current balance shows how much is still outstanding. However, the most important information is the rating: this determines the weight of your registration.

At ABN AMRO, we mainly see A codes. An A code indicates that there is (or has been) a delinquency. The number following it indicates the severity. An A1 is relatively minor, while an A3 or A4 carries much more weight in new loan applications.

Even after full repayment, the record remains on file for years. A repaid A2 classification is not removed until three years have passed, an A3 after four years, and an A4 only after five years. During this period, the record will continue to affect you, even if your financial situation has since been fully resolved.

The removal process at ABN AMRO, step by step

ABN AMRO has a clear procedure for handling requests for removal. The process always begins with the bank’s Lending Service Desk. You must submit your request in writing, preferably with a clear explanation of why the registration disproportionately disadvantages you.

By law, the bank must respond to your request within four weeks. In practice, however, we often see this deadline being exceeded. Due to staff shortages and the complexity of some cases, the response time can take up to two months. This can be frustrating when you need a quick answer, for example, for a mortgage application.

If the Service Desk rejects your request, you can file an appeal with ABN AMRO’s Complaints Management department. This is an independent department that will review your case. Here too, the official response time is four weeks, although in practice this deadline is met more consistently than with the initial request.

At Dynamiet Nederland, we have direct contacts within both departments. This allows us to process your request more quickly and, if necessary, initiate an expedited procedure. We know exactly how ABN AMRO evaluates your request and which arguments carry the most weight.

What are your chances of a successful removal?

ABN AMRO’s willingness to cooperate with the removal of a record varies by situation. The bank primarily considers whether maintaining the record is still proportionate. Several factors play a role in this.
First, the length of time since the issues occurred is taken into account. A record from 2020 is assessed more strictly than one from 2018. The amount of the original debt also plays a role. For small amounts, the bank is more inclined to proceed with removal.

Above all, it is important that you can demonstrate that the listing disproportionately harms you. Do you have a specific mortgage application pending? Or is your business financing being blocked? If so, your chances are significantly better than if you simply want to have the listing removed “just to be safe.”

In our experience, ABN AMRO is fairly accommodating, especially compared to some other banks. The staff take the time to assess your situation and are willing to look beyond the rules. This doesn’t mean that every request is granted, but it does mean that they take it seriously.

Duration and cost of the process

A standard removal process at ABN AMRO takes an average of six to eight weeks. This is the time from when you submit your request until the final decision is made. If your request is denied, you must decide within six weeks whether to take the matter to court. The total processing time can then extend to several months.

Through Dynamiet Nederland, we can often shorten this timeframe to four weeks. Thanks to our direct lines of communication and experience in drafting requests, you can avoid unnecessary delays. In urgent situations, we can even request expedited processing, which means you’ll receive a decision within two weeks.

The cost of legal assistance varies depending on the complexity of your case. At Dynamiet Nederland, we operate on a “no win, no fee” basis whenever possible. This means you only pay if we actually achieve a favorable outcome. During the free consultation, we’ll discuss the costs specific to your situation.

Are you going to handle this yourself? In that case, the only cost is the time you spend drafting the request and any follow-up correspondence. Keep in mind, however, that a poorly substantiated request significantly reduces your chances of success. It may therefore be worth seeking advice on the best approach.

Case study of a successful removal

Last year, we helped a young entrepreneur who was unable to secure business financing due to an ABN AMRO credit report entry. In 2021, he had experienced temporary payment difficulties with his revolving credit line, which resulted in an A3 code. Although he had paid off the entire balance by 2022, the entry remained on his record until 2026.
His new business was doing well, but without additional capital, he couldn’t continue to grow. Banks rejected his applications because of the BKR registration. A classic example of how a past registration can block your future.

We filed a request for removal, emphasizing his current financial stability and the concrete harm caused by the listing. We used figures to demonstrate that his business was healthy and that the listing was causing him disproportionate harm. ABN AMRO acknowledged this and removed the listing within three weeks.

This example shows that ABN AMRO is willing to look beyond the facts as they stood at the time. If you can demonstrate that your circumstances have changed and that the registration disproportionately affects you, your chances are good. The key is a well-reasoned request supported by concrete evidence.

You don’t have to live with your BKR record. Whether you’re looking to take out a mortgage or pursue business ambitions, there are ways to have your BKR record removed. ABN AMRO is known as a bank that works closely with its customers. With the right approach and supporting documentation, we’ll work together to help you achieve financial freedom. Contact us today for a free consultation and discover what options are available in your situation.

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Frequently Asked Questions About Removing BKR Records at ABN AMRO

Can I cancel my ABN AMRO registration if I still have an outstanding balance?

How long does an ABN AMRO registration remain active after repayment?

How much does it cost to hire Dynamiet Nederland to handle my ABN AMRO registration?

Can ABN AMRO still remove a valid registration?

What are the chances that my request for removal will be approved by ABN AMRO?

This page was last updated on: May 12, 2026