Has your credit check been declined? Then it is important not to immediately assume that you have a negative BKR registration. A company can assess your creditworthiness in various ways. Sometimes it consults the BKR, sometimes a commercial information agency, and sometimes an automated assessment plays a role. Therefore, the first question is not: “How do I get my BKR […]”
A BKR code provides information about a credit agreement and potential payment issues. The meaning of a code depends on the credit type, the data the lender reported to the BKR Foundation, and the status of the agreement. In this explanation, you will read what an A code, an H code, and the speciality codes 1 to 4 mean in […]
In BKR removal via kort geding (Dutch summary preliminary relief proceedings), it is important to know in time which steps and points of attention apply to your situation. A kort geding for BKR removal can be a crucial step. This applies when you face the negative consequences of a BKR registration that hinders your financial future. At Arslan & Arslan Advocaten we understand the […]
BKR Proportionality Test: What You Need to Know The BKR proportionality test is an important instrument within the Dutch credit registration system to assess whether a BKR registration is proportionate to the borrower’s situation. This test plays a crucial role in ensuring that lenders and the Bureau Krediet Registratie (BKR) handle credit data in a fair and just manner […]
Are you an entrepreneur and considering applying for a business loan despite a negative BKR? Obtaining business financing can be a considerable challenge when you are faced with a negative entry at the Bureau Krediet Registratie (BKR). For many entrepreneurs, such an entry feels like an insurmountable obstacle to the growth and continuity […]
Removing the BKR is a necessary step for many people to experience financial freedom again, for example when they want to take out a mortgage or need a business loan. A negative BKR registration at large banks such as ING, Rabobank or ABN AMRO can haunt you for years and significantly thwart your plans. Even if your debts […]
What are the consequences for your BKR after debt restructuring and how does this affect your financial future? When you have successfully completed a financial procedure such as the Wet schuldsanering natuurlijke personen (WSNP) or an amicable procedure (MSNP), you might expect to start with a clean slate. Although you are legally debt-free, the registration with the Bureau Krediet Registratie (BKR) in Tiel often remains visible for years […]
A BKR and student loan: it is a combination that raises questions for many (former) students, especially when they want to buy a house or take out another loan. Although a student loan with the Dienst Uitvoering Onderwijs (DUO) is not automatically registered with the Bureau Krediet Registratie (BKR), this debt does affect your financial options […]
A compensation for an unjustified registration can be crucial for anyone who has been wrongfully entered in a register and thereby suffers financial or non-pecuniary damage. In this article we discuss what an unjustified registration entails, which registers exist, how you may be entitled to compensation and which legal steps you can take. Arslan & Arslan Advocaten offers […]
The relationship between AVG and CIS registration is a complex and topical subject within Dutch law. At Arslan & Arslan Advocaten we are increasingly asked how the General Data Protection Regulation (AVG/GDPR) applies to the use and management of CIS registrations. The Central Information Provision Foundation (CIS) plays a crucial role in […]
