A BKR or EVR registration can have major consequences for your financial future. Think of a rejected mortgage, no business financing, or even problems when opening a bank account. Many people think that they can do nothing about this. That is incorrect.

On this page you will find a complete overview of everything you need to know about BKR and EVR registrations: when they are justified, when not, and what legal options you have to take action.

This page serves as knowledge and starting point for anyone who has to deal with a registration.

What is the difference between BKR and EVR?

An BKR registration is maintained by BKR Foundation and mainly concerns loans, payment arrears, and credit obligations.

An EVR registration (External Referral Register) is used by banks and insurers in cases of (suspected) fraud or serious irregularities. This registration is less transparent and often has more severe consequences.

👉 Both registrations have a different purpose, but can severely restrict your financial flexibility.

When is a registration unlawful?

Both BKR and EVR registrations must meet strict legal requirements. In practice, this often goes wrong. Consider:

• insufficient evidence

• no balancing of interests

• disproportionate consequences

• errors in registration or coding

A registration is not untouchable and can in many cases be corrected or removed.

In-depth by topic

The articles below go into more detail on the main questions and misconceptions regarding BKR and EVR registrations.

1. EVR registration: when is it unlawful?

In this article you will learn:

• when an EVR registration is legally untenable

• which mistakes banks often make

• how you can compel removal

👉 Read more here about when an EVR registration is unlawful.

2. BKR registration after repayment: why does it remain?

You have paid everything off, but the registration remains visible. In this article we explain:

• why that happens

• when this is unjustified

• which steps you can take

👉 Read here when a BKR registration can be removed after repayment.

3. EVR registration due to fraud: when does a bank go too far?

A fraud registration has enormous impact. In this article we cover:

• what banks consider fraud

• when evidence is missing

• why proportionality is often lacking

👉 Read here when a fraud registration goes too far.

4. BKR or EVR: what does a mortgage lender really see?

Not every registration automatically leads to a rejection. In this article you will read:

• what mortgage lenders actually check

• what carries weight and what does not

• when a rejection may be unjustified

👉 Read here what a bank actually sees in a mortgage application.

5. Common misunderstandings about BKR and EVR registrations

Many people take no action due to incorrect assumptions. In this article, we set out the facts:

• what is not correct?

• what is often misunderstood?

• when is taking action actually worthwhile?

👉 Read here the most common misunderstandings explained.

Why timely legal advice is important

The longer a registration remains:

• the greater the financial damage

• the harder recovery becomes

• the more limited your options

Early legal assessment increases the chance of:

• correction

• shortening of the duration

• complete removal

Conclusion: BKR and EVR registrations require a tailored approach

Every registration is different. What is justified in one case can, in another case, be legally untenable are. General assumptions or standard solutions rarely work.

This hub page helps you understand:

• where you stand

• which articles are relevant to you

• when it is wise to take action