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How can I get rid of my BKR registration?

Written on May 27, 2021 by Berry van Ockenburg
  • Legal advisor

Is a BKR registration standing in the way of your (business) loan, lease car or mortgage? Do you feel you have to put your dreams on hold as a result of that registration? Not to worry! Find out how getting rid of your BKR registration can help you get those dreams within reach.

This page tells you everything you need to know about getting rid of a BKR registration.

First, we explain how a BKR registration actually comes about. Then we will go into why it may be necessary to get rid of a BKR registration. Finally, we explain how we can help you get rid of your BKR registration.

Content:

  • How does a BKR registration actually come about?
  • Why getting rid of a BKR registration may be necessary
  • How can I get rid of my BKR registration?
  • Frequently Asked Questions

How does removing a BKR registration work?

How does a BKR registration actually come about?

A BKR registration indicates a loan you took out is registered with the Bureau of Credit Registration (BKR).

The BKR keeps a record of various loans made to you. This provides future lenders with insight into your credit history so they can determine whether it is responsible to grant you a new loan.

For example, you may be registered as:

  • Have taken out a personal loan or revolving credit
  • Making purchases with a credit card
  • Being in the red on your bank account
  • Have a private lease contract
  • Uses a subscription with cell phone worth more than 250 euros

Study debt is not registered with the BKR. It is also good to know that a mortgage will only result in a (negative) BKR registration in case of a payment arrears of three installments.

In the cases listed, these are so-called positive BKR registrations. If you fall behind on payments on one of these registrations, it can be converted into a negative BKR registration.

Why getting rid of a BKR registration may be necessary

It is mainly the negative BKR registrations that can cause problems. This, after all, shows the (new) lender that you have been in arrears before.

Even after paying off the loan in full, the registration remains for at least 5 years. While there is an end date attached so it is clear that you have now repaid the loan, it remains a reason for caution for lenders.

This can obviously make obtaining a new (business) loan or mortgage very difficult.

But a positive BKR registration also has disadvantages, especially when applying for a (new) mortgage. This is because the mortgage lender looks at the amount you have to repay each month. This affects the maximum mortgage you can get, as it puts pressure on how much money you have to spend each month.

Fortunately, removing a BKR registration is quite possible in most cases.

How can I get rid of my BKR registration?

Getting rid of a BKR registration can be done in several ways. Below we discuss your options.

1: Getting rid of BKR registration with a specialized partner

Getting rid of a BKR registration is a specialized job, where you will quickly run into technical and legal jargon.

Therefore, the easiest way - with the greatest chance of success - is with the support of a specialized company such as Dynamite Netherlands.

In just a few steps, we will help you get rid of your BKR registration:

  1. Fill out the form or contact us by phone
  2. One of our advisors will assess your situation with you and forward your application to the underwriting department
  3. There it is determined whether your request is approved or rejected by us
  4. Upon approval, we will send you a quote and a summary of the information needed to further process your application
  5. You will be assigned a regular BKR registration lawyer who will do everything possible to solve your problem. Naturally, we will keep you informed of the progress during the procedure.

You will receive a final report detailing the results achieved. In many cases, you will be eligible for a loan or mortgage again after this

2: Appeal to get rid of your BKR registration

To object to a BKR registration yourself, it is first important to have a clear picture of how you are registered. To do this, you can view your credit data yourself (free of charge) through the BKR.

Next is to determine whether the BKR registration is justified or not. For example, is there a late payment record that has long since been cleared? Then it may pay off to file an objection.

You do so with the lender to which the registration relates:

  • Please state why you disagree with the registration;
  • Describe what adverse effects this will have on you (for example, difficulties in obtaining a mortgage);
  • Whenever possible, substantiate your objection with documentation that proves you are right.

Even in the case of a justified BKR registration, it is in many cases possible to get rid of it. At Dynamite Netherlands we are specialized in this.

3: Getting rid of your BKR registration through the Dispute Resolution Commission

Are you and the lender not getting along and disagreeing with the BKR registration? Then a step to the Geschillencommissie-BKR or the court is your next option. Below we explain the step to the Dispute Commission in a nutshell.

You initiate proceedings with the Dispute Resolution Committee by submitting a letter of complaint, describing the situation and your grievance as clearly as possible. You should also attach a copy of the original correspondence with the lender.

Please note that going to the Dispute Commission is not always easy and is time-consuming. On average, proceedings take 12 months. In addition, the Dispute Commission makes a binding ruling. This means that you and the lender must abide by the ruling.

Learn more about challenging a BKR registration on the page about the BKR Disputes Committee.

Conclusion: how can I get rid of my BKR registration?

A BKR registration can sometimes get in the way of your big dreams for the future. Fortunately, getting rid of your BKR registration is perfectly possible in many cases.

As we have discussed in this article, it is possible - especially if you are convinced that the registration is unjustified - to challenge it yourself.

However, you can also save yourself a lot of trouble and frustration by engaging us to get rid of your BKR registration. Moreover, this will increase your chances of success, because with us you will be assisted by a specialized BKR lawyer and benefit from our years of experience.

So don't let that BKR registration stand in the way of your dreams either and take action today to get rid of it.

Frequently Asked Questions

How do I get rid of a negative BKR registration?

How do I know if I have a negative BKR registration?

How long does it take to remove a BKR registration?

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