Credit reports - Consumer rating

A credit report provides an overview of your financial situation based on verified data. This can be useful for:

• Rental property
• Loan Application
• (Business) partnerships
• Employers
• Show that you are financially stable despite a negative BKR code

• Basic Report: Quick financial insight with verification of income, fixed expenses, disposable income, savings, defaults, arrears, and BKR check.
• Comprehensive Report: In-depth financial investigation with additional checks on investments, DUO, Land Registry, Tax Office, RDW and in case of negative BKR registration, a legal analysis.

Normally, banks and lenders turn away people with negative BKR records almost immediately for financing, because investigating these financial situations takes a lot of time and money. Our report offers a solution:

• We do the research on your financial situation, so banks and lenders don't have to do it in the first place.
• This may ensure that you still qualify for financing.
• The report includes an in-depth financial examination including verification of income, fixed expenses, savings, investments and a legal analysis of the negative BKR registrations by a lawyer.
• This report provides a detailed understanding of your financial situation and assists in restoring your creditworthiness, increasing your chances of obtaining financing.

No, we cannot guarantee funding. However, the report increases your chances of receiving financing. Should you not receive financing, we offer a mediation process to remove your registration at a modest additional cost, with a success rate of 3 out of 4 cases.

• Basic report: Within one business day.
• Comprehensive report with no negative BKR registration: Within three business days.
• Comprehensive report with negative BKR registration: Approximately four weeks.

We need to request documents about BKR registrations from the bank or lender that registered you with the BKR. This takes time, in addition a lawyer will thoroughly investigate and work it out in a report. The time is mainly in waiting for documents from the bank.

With no one. You, the consumer, always receive the report yourself and decide whether you want to share it with third parties. As a result, you are always in control of your own data.

We keep your data for the duration of two years. After that, your data is automatically deleted. For more information see the privacy statement.

No, we can only provide data to the consumer to whom it relates. He or she can then send the report to the party who needs it.

At Dynamite Netherlands, we can rate consumers based on the following credit scores:

• A++ (Excellent): Highest credit rating with minimal risk.
• A+ (Very Good): Very good credit rating with very low risks.
• A (Good): Good creditworthiness with low risk.
• B (Satisfactory): Satisfactory creditworthiness with moderate risks.
• C (Moderate): Moderate creditworthiness with increased risks.
• D (Speculative): Low credit rating with high risk.

We use PSD2, an officially recognized banking system deployed by banks. PSD2 allows secure access to your banking information with your permission. Logging into your bank is done through GoCardless, which provides a secure link to your bank. We also have several API links with relevant sources.

Yes, applying for and obtaining a credit report is secure. We use PSD2 and GoCardless for secure access and processing of your banking information. In addition, all your information is handled carefully according to applicable privacy laws and not shared with anyone.