How to Remove a BKR Record Yourself: A 5-Step Guide
Removing your BKR listing yourself: what does it involve?
A negative BKR record can have serious consequences, ranging from a rejected mortgage application to being unable to get a cell phone plan in your name. That’s why many people try to remove the record themselves.
On this page, you’ll find a complete step-by-step guide. You’ll learn how to request your data, how to submit a request, and what to do if your request is denied. A word of caution: you can handle this on your own, but it does require legal knowledge and perseverance. If you get stuck, Dynamiet Nederland can still take over for you.
Back to basics for a moment: what exactly is a BKR registration?
A BKR registration means that your details are recorded in the Central Credit Information System (CKI) of the Credit Registration Office. This is not a problem in itself; everyone with a loan has a registration.
- Positive registration: You meet your payment obligations without problems.
- Negative registration: There are special circumstances such as payment arrears. These are indicated by codes such as A, H, or 1 to 5. A negative registration can cause problems when applying for a mortgage, loan, or other credit.
Want to remove your BKR registration yourself? Below is the full roadmap, including frequently asked questions and tips on when it's better to seek legal help.
Table of contents
- Step 1: request BKR statement
- Step 2: Check your data for accuracy
- Step 3: Requesting your own file from the lender
- Step 4: Submit removal request
- Step 5: In case of rejection - to the Kifid or the court
Additional information:
Remove your BKR registration yourself in 5 steps
Removing a BKR registration yourself is possible, but requires knowledge, time and perseverance. Below is the 5-step approach.
Step 1: request BKR statement
What to do.
- Get your registration information through the BKR website
- You get online access to your credit information within minutes
- Can't do it online? Call BKR at 088-150 2500 or email info@bkr.nl
What will you get to see? You'll see all your current and closed loans and any particularity codes.
Read our detailed explanation on how to request your BKR registration.
Step 2: Check your data for accuracy
Check thoroughly the following aspects:
End date
- An end date must be added to the registration after full redemption
- Check that this date is present and correct
Particularity coding
- Check the codes on your registration:
| Code | Meaning |
| A | Arrears coding: not paid for at least two months |
| H | Recovery coding: backlog cleared |
| 1 | Payment arrangement has been made |
| 2 | Full claim has been claimed |
| 3 | Debt restructuring or forgiveness |
| 4 | Inaccessibility: no contact is possible |
| 5 | Preventive mortgage payment plan |
| 9 | Legal dispute |
An incorrect coding or incorrect registration date can be a good reason to contest your registration. If you have one of these codings, it is often no longer possible to take out a mortgage or loan.
Would you like to know how long such a registration remains visible? Read how long a BKR registration remains in place.
Are you unsure whether your coding is correct? Take the time to check it carefully. Misinterpreting the coding is one of the most common mistakes people make when doing it themselves.
How do you remove a BKR registration?
In this video, we walk through the steps with Frank Visser, Esq., to address an incorrect BKR listing.
Step 3: Requesting your own file from the lender
Under the GDPR (privacy law), you can submit a full request for access to your lender or the BKR.
Are you short on time? This step isn't mandatory, but it does provide valuable information that could make all the difference in your business.
Why is this important?
- You can see which documents and information the lender has recorded about you
- You can check whether the registration process went correctly
- You often discover whether mistakes have been made or legal formalities have been violated
- This information will help you to make a targeted objection or substantiate legal action.
Common mistakes:
- Incorrect registration date
- Errors in writing to the debtor
- Exceeding legal deadlines
- Failure to properly update encodings
Are you unsure whether your file contains errors? Take a moment to compare your findings and check that the deadlines and communication are correct.
Step 4: Submit removal request
In certain cases, you can submit a formal request to have your BKR registration removed. This is also called a request for correction or objection, depending on the situation.
1. Balance of interests
A BKR record is intended to protect both the financial sector and consumers. However, if that record unreasonably hinders you—for example, when buying a home—you can request that it be removed.
It is important to substantiate well:
- why registration is an unreasonable obstacle for you
- why your interest outweighs the interest of the registration
Please note: not every asset is considered significant. Buying a home usually counts, but a luxury car often does not.
2. Procedural errors
If the registration was created incorrectly, it must be adjusted or deleted. Consider:
- errors in communication or coding
- exceeding legal deadlines
- violation of formal requirements
Now what?
The lender will assess your request and send a response. If approved, the changes will usually be processed by the BKR within one business day.
⚖️ A strong request requires a proper strategy, convincing evidence and legal substantiation. Our lawyers can help you with that.
Wondering if your situation is strong enough to warrant a formal request? The next step will help you figure that out.
Free sample letter: get started right away
Please note the following before using this letter:
This sample letter serves as a starting point for your request for removal. Please note: every situation is different. Tailor the letter to your specific circumstances, include the appropriate attachments, and substantiate your case as clearly as possible. The more specific your letter is, the greater the chance that your request will be taken seriously.
Step 5: Was your request denied? Here are your options
If your removal request is denied, there are three possible next steps:
Option 1: Going to the Kifid
What is it?
Kifid is an independent dispute resolution body for financial institutions.
Advantages:
- Free
- Relatively easy access
Disadvantages:
- Procedure may take up to 6 months
- You must tell your own story in front of lawyers during any hearing
- Less likely to succeed than in court
- You cannot claim damages
Option 2: Going to court through a petition process
What is it?
You are asking the court to rule on the removal of your BKR record.
Advantages:
- Takes an average of 3 to 5 months
- Higher success rate (about 80% with good substantiation)
- You don't have to speak yourself: your lawyer or legal professional will do that for you
- Suitable if the lender continues to refuse
Option 3: Urgent interest - summary proceedings
What is it?
An expedited procedure if you have an urgent need for eviction, such as when your home is at stake.
Prerequisites:
- Only possible in cases of urgency, such as a binding sales contract
- Start subpoenaing immediately
- Judge decides within weeks
Not every approach is suitable for every situation. Carefully consider whether you’re in a hurry, what evidence you have on hand, and whether you want to or are able to handle the procedure yourself.
The pros and cons of removing your BKR registration yourself
❌ Disadvantages
- Time-consuming process due to complex laws and regulations
- Lots of bureaucracy: you are often sent from pillar to post
- Specialist knowledge required of legislation and case law
- High probability of rejection without strong legal argument
- A rejected request may make it more difficult to achieve success later on
✅ Benefits
- Free of charge: you do not need to hire a lawyer or specialist
- Educational: you will learn about your rights and the financial system
Our advice: Start with steps 1 and 2 to get a clear picture of your situation. If you find yourself stuck when it comes to the legal grounds or procedure, that’s the time to consider seeking legal assistance.
When does doing it yourself become too difficult?
You can remove your BKR record yourself if your file is well-organized and you can carefully follow the steps. However, there are situations in which doing it yourself becomes difficult:
- You have already submitted a request, and it was denied
- Your case is complex, with multiple entries or conflicting information
- You have little time or experience with legal reasoning
- Registration is a pressing issue, for example when buying a home
In such cases, Dynamiet Nederland can handle the entire process for you. For more information, please visit our page about our process and the costs of removing a BKR entry.
Our team of legal professionals is here to help if you need assistance
Frequently asked questions about BKR registrations
How long does it take to remove a BKR record on your own?
Can I submit my request by email?
What should I do if the lender doesn't respond?
What is a good justification for my request?
When does a negative BKR registration expire?
How can I retrieve my BKR?
Can I get a loan with a BKR?
What are the advantages and disadvantages of removing my BKR registration myself?
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