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Removing ICS BKR registration? The complete manual of Dynamite Netherlands

Removing an ICS BKR registration may be necessary if you are planning to buy a new home. This is because getting a mortgage with BKR registration can be impossible. Taking out other (business) loans is also often difficult or impossible when you are dealing with a negative BKR registration.

When this gets in the way of your life, dreams and goals, it's good to know that removing an ICS BKR registration is often very possible. At Dynamite Netherlands, we help people like you every day so they can look forward again. In this article, you will read everything we have learned in the process over the years and what you need to know about your chances of success.

Need help fast, or just want to know where you stand right away? Then schedule your no-obligation, free consultation today.

How does removing a BKR registration work?

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Content of this article:

All about ICS BKR registration
- Who is ICS?
- How a BKR registration with ICS comes about
  - ICS spread payments and BKR
  - ICS card and BKR
- Understanding your ICS BKR registration
ICS BKR registration removal in figures

All about ICS BKR registration

In this first part of the article, we'll take a detailed look at your ICS BKR registration to understand how ICS and BKR work, where your registration comes from and what it means for your chances of removal.

Once we have a complete picture of your ICS BKR registration, in the second part we will look at how you can get rid of it.

Who is ICS?

ICS - or International Card Services - is a Dutch credit card company. ICS is the largest issuer of the Visa credit card in the Netherlands and also issues MasterCard, for example. They do this both directly to consumers and through partnerships with third parties.

Also good to know is that ICS is a subsidiary of ABN Amro. This is positive, as ABN Amro always takes BKR removal seriously and this piece of DNA seems to have been passed on to subsidiary ICS as well. More on this later.

How a BKR registration with ICS comes about:

A BKR registration arises when you take out a credit or loan of €250 or more. In such a case, the provider of the credit is obliged to report this to the BKR, or Bureau Krediet Registratie.

The BKR keeps a record of these credits, loans and debts of every Dutch person. Future lenders can see this record when you apply for a mortgage or loan, for example, to assess how financially sound you are. Such a record remains visible for five years, even after the full original amount has been repaid.

This is why an ICS BKR registration from the past can still stand in the way of your new mortgage for a long time .

ICS card and BKR

The most obvious establishment of an ICS BKR, is the use of an ICS credit card. When you pay for something with a credit card, you are in effect buying on credit. Therefore, credit card purchases over €250 also fall under the debts registered by the BKR.

Indeed, even only a spending limit above €250 on your ICS card is registered with BKR. After all, even without using this, you do in fact have a €250 credit with ICS, which must therefore be registered with BKR.

If you do not actually use this credit, or always make the payments on time, there is then a positive BKR registration. In this, there is not so much to worry about. Does a payment arrears accumulate when paying off credit card debt? Then this becomes a negative BKR registration with ICS, which often does have negative consequences on your ability to get a mortgage.

ICS spread payments and BKR

Using spread payments with ICS can also result in BKR registration. In that case, you have chosen to repay an outstanding debt (the credit used on your card) in instalments. Does this involve a total amount of €250? Then this is already registered anyway.

Are you unable to pay multiple installments? Then you will face a negative BKR registration with ICS.

The danger of spread payments is that people underestimate how much debt they still have outstanding, causing them to get into trouble. Partly for this reason, ICS has decided to discontinue the option of requesting spread payments on its cards.

Understanding your ICS BKR registration

Are you wondering if you are dealing with an ICS BKR registration that needs to be removed? Then do a BKR check yourself very easily.

With this, you will have a clear idea within moments whether - and if so, how - you are registered with the BKR. It is important to distinguish between a positive and a negative registration

A positive registration will only affect the amount of a mortgage you can get, because the repayment will affect your monthly disposable income.

A negative registration, on the other hand, will make you more of a risk in the eyes of lenders to lend money to, reducing your chances of getting a mortgage at all. Even if this negative registration is from the past and the full amount has since been repaid.

For more insight into what your registration means for you, also see our overview of BKR particularity codes.

ICS BKR registration removal in figures

Hopefully, by now you have a better understanding of how your registration came about. Therefore, now that you have a better understanding of where you stand, it is time to start looking at how to remove that ICS BKR registration.

What options do you have in the case of ICS? And how likely is it to succeed? We list a few for you!

Most common registration with ICS

The most common ICS BKR registrations are. A2 and AH codings. Of these, the AH coding at ICS is usually the most easily removed.

In fact, this simply indicates a Backlog (A notice) that has been Reinstated (H notice). As long as there have been no other payment problems, this is an ICS coding that can usually be properly removed.

The A2 coding indicates that the lender has asked that the arrears be repaid in one lump sum. This often indicates deeper payment problems. As a result, an A2 coding is usually more difficult to remove, but certainly not impossible.

How quickly is there a response to a removal request?

As mentioned, ICS has adopted the BKR attitude of bigger brother ABN Amro, which means that they are usually willing to think with the customer. This means that a response is always given within the legal deadline of four weeks, but often even within two weeks.

It is also possible to request emergency treatment for an ICS BKR registration removal request. This can come in handy, for example, when every day counts, such as when you depend on the deletion to get a mortgage and financing dissolving factors are approaching.

Success rate

ICS's willingness to think with you also benefits its success rate. ICS always removes BKR registrations when it has to, where other companies sometimes continue to be difficult.

ICS responds well and clearly to requests. It is also possible to file an additional objection if you disagree with the ruling.

At Dynamite Netherlands, we succeed in getting an ICS BKR removed in about 66% of cases. Because of our lawyers' experience and the personal contacts we have built up with lenders over the years, we always get more done than a consumer on their own.

Would you also like to be assisted by an experienced lawyer with the right expertise? Or would you simply like one of our specialists to tell you how you stand and what your options are? Then schedule your free, no-obligation consultation now.

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