Removing wrongful BKR registration, is it possible?

Yes, removing a legitimate BKR registration is definitely possible. A justified registration is a registration which has been reported according to the BKR conditions. Often there has been a payment arrears of at least two months. Although the payment arrears have occurred and the registration is therefore justified, the justified BKR registration can be removed in many cases. This is removal based on the balancing of interests. Is the delay in payment proportional to the inconvenience you are experiencing (obtaining credit)?

Yes, removing a heavy BKR code is also among the possibilities. Removing a code from the BKR, does not necessarily depend on the severity of the code: all the facts and circumstances of your case are considered.

Note
There is a difference in the severity of BKR codes. A light coding is an A, A1, orAH coding. A heavy coding is an A2, A3, A4, or a combination of these.

With only one light code, it is sometimes possible to take out a mortgage. Taking out a loan is generally not possible with one light coding. With several light codes or one heavy code, it is basically not possible to obtain new financing. So in this case, this BKR removal is necessary to be able to get your financing though.

No. After successfully completing the WSNP process, you will have received a clean slate statement. A common thought is that this also removes BKR registrations. Unfortunately this is not the case. Even after completing the WSNP program you are still registered negatively for five years. According to the BKR conditions this is correct. But legally this is not necessarily correct. You also have the right to have your interests considered.

Unfortunately, practice shows that lenders are very difficult to remove BKR records if you have followed a WSNP program. This is because remediation has taken place on the debts (remission), after which a code 3 has been placed. Lenders often believe that they have already done enough for you by forgiving an amount and thus making a loss on the loans. On the other hand, there is often a personal story behind the WSNP process. People have usually been registered in the system for years before the trajectory. Meanwhile, the situation has changed and they would like to buy a house. In short, it is not impossible to remove such registrations, but the chances of success are usually not very high. Dynamite Netherlands is therefore reluctant to take on WSNP related cases. Usually our advice is to wait the five-year period.

Notice:
Be aware of the above information. Do not let anyone tell you that the chances of success are reasonable or high. In fact, chances are that the registrations will not be removed and you will have paid a large amount of money at the end. Without the desired result.

Want to know more about removing BKR registrations after WSNP? Check out our blog.

As long as you have debt, your BKR registration will remain. Once you have paid off your debt, a BKR registration will remain visible for five years after your debt is paid off. This applies to both positive and negative BKR registrations.

By the way, positive registrations cannot be removed. Want to know more about how long a negative BKR registration remains active? In this article we discuss this in more detail.

You quickly have a BKR registration: you are BKR-registered when you borrow for more than 250 euros. For all these cases, the limit for getting a BKR registration is at 250 euros. In practice, almost every adult in the Netherlands has a BKR registration. Read more about when you have a BKR registration here .

When getting a BKR registration removed, it really shouldn't matter which bank or lender registered you with the BKR. In fact, it should matter.

Unfortunately, practice shows that one bank is not the other; some prove to be more troublesome than others. Providers such as Rabobank, ABN Amro, ING and ICS each handle the removal of BKR registrations differently. Dynamite Netherlands also knows how to deal with this.