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

If you take out a loan, mortgage, or, for example, a cell phone plan with the BKR, this is recorded and registered with the BKR. This is a neutral or “positive” record. If you fail to meet your payment obligations for an extended period, the record becomes a negative BKR record.

A negative BKR registration means that in many cases you will not be able to take out new credit, such as applying for a (new) loan, signing a lease contract, or purchasing 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 have a negative registration? Every BKR overview shows general information. Would you like to view your own registrations? Read how you can request your BKR registration. Negative registrations show additional information under the heading 'details'. In the case of a negative registration, details are mentioned: 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 comes as no surprise. If you do not pay on time, the lender will first send you several reminders, demands for payment, or warnings. If you still pay, you can avoid a negative registration. If you still do not pay, you will receive advance notice warning you of the negative registration. This is your last chance to avoid a negative registration. Would you like to know exactly when you will receive a registration? Read when you will receive a BKR 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:

There is a lot you can do yourself to have your negative BKR registration removed. Take a look at our step-by-step plan to remove your BKR registration yourself.

Please note: Removing a BKR entry isn’t something that can be done overnight; it’s a long-term process. It requires a significant amount of (free) time, and you’ll need to familiarize yourself with the BKR system to fully understand the terminology so you can write a proper request for removal.

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? There are more possibilities 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 costs of our service. Curious about the cost of our assistance? View the costs of BKR removal.

Free intake consultation on removing your BKR registration.
Specialists for each specific problem
Always pay a predetermined fixed amount, so no surprises
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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.