BKR registration after debt regulation or WSNP – can you have it removed?

At Arslan Advocates we assist clients who, after a debt arrangement or WSNP, are still hindered by a negative BKR registration. We investigate whether the registration is justified and submit – where possible – a request for removal to the relevant bank or credit provider.

Why does a BKR registration remain after WSNP?

After a successfully completed process, debts are written off, but the negative registration often remains visible for five years in the Central Credit Information System (CKI) of the BKR Foundation. Banks use this period to assess whether someone remains financially stable. In practice, however, this term often turns out too heavy.

When is removal or shortening possible?

A BKR registration must always meet the requirements of proportionality and necessity under the GDPR. Removal or shortening is possible if:

• the WSNP or debt regulation has been successfully completed;
• you have not had any new debts or payment problems since then;
• you are financially stable (stable income, savings, good payment behavior);
• the registration unduly hinders your life (mortgage, rent, work);
• the credit provider no longer has a reasonable interest in maintenance.

Step-by-step plan: how to remove a BKR registration after debt regulation or WSNP

1. Check your registration

Request your current data via bkr.nl. This way you know exactly which registrations are still visible and by whom they have been placed.

2. Gather evidence of financial stability

Keep payslips, employer’s certificates, repayment receipts and other documents showing that you have your financial affairs in order.

3. Send a request to the credit provider

Ask in writing for removal or shortening of the registration and explain why it is disproportionate. Include evidence and refer to your completed process.

4. Complaint with KiFiD or court

Does the credit provider refuse? Then submit a complaint to the Financial Services Complaints Institute (KiFiD) or start a civil procedure. In many cases, the decision is that the registration should be shortened or removed.

Consequences of a negative registration

• Rejection of mortgage or loan applications;
• Problems with rental contracts or lease agreements;
• Difficulties with business financing;
• Stress and damage to reputation.

Because the WSNP is intended for a new start, a permanent negative registration is often incompatible with that goal.

How does Arslan Advocates help?

• We investigate whether your registration is justified;
• We submit a motivated request for removal or shortening;
• We proceed with KiFiD or the court if necessary;
• We recover the costs where possible from the credit provider.

Our lawyers combine expertise in financial law and privacy law with extensive experience in BKR issues, so your chance of success is significantly greater.

Frequently asked questions about BKR and debt regulation

How long does a BKR registration remain after WSNP?

Five years after completion. After that, the registration disappears automatically, unless you request removal earlier because it is disproportionate.

Can I get a mortgage immediately after WSNP?

Usually not as long as the registration is visible. With a well-substantiated request for removal, that can become possible sooner.

What if my bank rejects my request?

Then you can enforce removal via the KiFiD or the civil court. This often works when you can prove that you are debt-free.

Is legal aid free of charge?

Often yes. We try to recover the costs from the relevant institution, so you don’t pay anything.

Questions or immediate help required?
Feel free to contact Arslan Advocates. We help you remove your BKR registration after WSNP or debt regulation so you can really start over.