BKR removal through BKR Disputes Committee

Attention! As of October 1, 2021, Kifid has taken over the role of the BKR Disputes Committee. It is therefore no longer possible to start proceedings at the Geschillencommissie BKR. Instead, you can start a procedure at the Kifid. More information can be found in this step-by-step plan of the Kifid procedure.

When granting credit, you are registered with the Bureau of Credit Registration (BKR). If you want to take out a loan, the registration may not be easy on you. When taking out a loan, the lender will look at your financial situation. If this reveals a negative BKR registration, there is no chance of getting a loan. Do you want to remove the negative BKR registration? Then you will often be referred to the BKR disputes committee. Yet this step is not always recommended. We are happy to tell you why.

What is the BKR disputes committee?

Do you want to remove your BKR registration? Then the BKR, banks and lenders often refer you to the BKR Disputes Committee. This committee consists of a number of committee members and assesses your file. They do this on the basis of the General Regulations of the BKR. Based on these regulations it is decided whether you are eligible for a registration removal. Do they find that the registration is justified? Then it will simply remain in place.

The disputes committee is funded by the Bureau of Credit Registration. This therefore ensures that you can file an objection for only fifty euros. So the costs remain fairly low and if you are found to be in the right, you will even get these costs back. So why is it not always smart to take up a case via the disputes committee?

Risk BKR removal through the Dispute Resolution Board

It is not always advisable to file an objection through the BKR Disputes Committee. One reason is that the decision of the dispute committee is binding. If the committee decides that the registration is justified, you will have to accept it. This means that you cannot appeal or take any subsequent legal action. This immediately eliminates your future opportunities. In addition, the chances of being vindicated by the litigation committee are very slim. Do you benefit greatly from the removal of BKR registration? Then it is better to do it through another route to increase your chances. The path through the dispute committee is often long and offers no guarantee of success. To still achieve the desired result, we recommend that you start proceedings through the court.

Help in removing BKR registration

If you have a strong interest in getting your BKR registration removed, such as by buying a house, you can take the legal route instead of the Dispute Resolution Committee. This will increase your chances of getting a BKR registration removed. Moreover, you can enlist the help of an expert in the process. If you take the route of the disputes committee, you will have to go through this procedure yourself. Dynamite Netherlands is a specialist in the removal of BKR registrations and will gladly assist you during this process. We advise you to start legal proceedings so that we can support you.

Does BKR registration feel like a burden on your shoulders and would you prefer to be rid of it as soon as possible? Dynamite Netherlands is your professional help during this process.