How does removing a BKR registration work

Have you taken out a lease on a car or have a telephone contract? If so, this will be registered with BKR - Bureau Krediet Registratie. This registration can be either neutral ('positive') or negative.

Do you want to take out a mortgage or other loan, but have a BKR registration? In some cases this can be quite difficult. Even if you have already repaid the loan, this registration remains visible at the BKR for five years. However, the registration may not be justified or the burden of the registration may be greater than the actual debt. So removing a BKR registration can sometimes be very beneficial. Whether this is possible and how it works, you can read below.

Why remove a BKR registration?

If you want to apply for a mortgage or lease a car, the lender will look at your financial situation. Two factors are considered: your current income as well as your fixed expenses (credit). With these fixed charges, your BKR registrations are looked at.

In some cases, a BKR registration can cause a loan application to be rejected. Especially with a negative BKR registration, one registration is often enough for a lender to reject the application. He may also choose to reduce the amount of the loan. Thus, the registration can cause you to borrow less money or not be able to do so at all.

In these cases, you can greatly benefit from removing the BKR registration. Especially if you want to apply for a mortgage, the registration can sometimes be very dickish and reduce the maximum loan amount by thousands of euros just like that. This is, of course, a great shame. Removing a BKR registration is therefore very desirable.

How can you remove a BKR registration?

Do you have a (negative) BKR registration and is this hindering your current situation? Then you can try to get rid of this registration.

First of all, it is important that you check whether the data are still correct. This is because it may happen that the credit is registered incorrectly or, for example, an expiration date is missing. A request to the lender to adjust this can remedy this.

You can choose to have the BKR registration removed yourself. Unfortunately, this job is not easy and requires a lot of time and effort. To get you started, we have 10 tips on how to remove BKR registration yourself. Keep in mind that there is often a lot of legal knowledge involved, making it not always easy to tackle this yourself. It is therefore advisable to hire a professional for this.

Remove a BKR registration by Dynamite Netherlands

Are you struggling on your own or want help with BKR registration removal? Dynamite Netherlands is your trusted party. Through our years of experience we know how to assess whether your situation has a chance of success. So you do not have to spend unnecessary time, which may not even benefit you in the end.

Our experts study your situation carefully. We scrutinize your credit files and advocate for the interests of cancellation of this registration. We do this with legal and financial arguments. Often we can quickly see whether you have a chance of having the BKR registration removed. We are happy to discuss this feasibility with you in a no-obligation consultation. We will also be transparent and honest if this chance is nil.