Do you want to request BKR registration because you want to take out a mortgage, loan or other credit? The Credit Registration Office (BKR) monitors which loans and credits you have. A negative BKR registration can prevent you from getting a new loan or mortgage.
In this guide, we explain step by step how to request your BKR registration, what the different codes mean and what you can do if you have a negative BKR registration.
What is a BKR registration?
BKR registers almost all consumer loans in the Netherlands. Think of:
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personal loans
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continuing credits
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your checking account’s overdraft
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mobile phone subscriptions with a device in installments
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purchases on installment or “pay later”
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mortgages with payment arrears
A BKR registration itself is not necessarily negative. Only when a special coding is added (such as A2, A3, etc.), we speak of a negative BKR registration that can limit your creditworthiness.
Requesting BKR registration in 3 steps
You can request your BKR registration via the official BKR website. That’s easy in three steps:
Step 1: Go to the BKR website
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Visit the BKR website (bkr.nl).
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Choose the option to view your data.
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Log in with your bank account (iDIN) or other available login method.
Step 2: Fill in your details
You fill in among other things:
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your name
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your email address
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your residential address
This usually only takes one minute.
Step 3: View your BKR overview
After logging in you will immediately see:
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which credits are registered
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if special codes are mentioned
Do you want a paper overview? Then you can have an official BKR overview by mail sent to you for a fee.
Be careful: check the special coding
On your overview you usually see a heading “Special coding”. Is there a code next to your name? Then there is a (former) payment arrears or specificity. These codes can cause problems with:
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applying for a mortgage
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closing of a personal loan
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increasing a credit limit
This is what the BKR codes mean
BKR uses letters and numbers to make it clear at a glance what exactly is going on. A few common codes:
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A – Delay: you have (had) a payment delay.
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H – Recovery: you have caught up with the payment delay.
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1 – A payment arrangement has been made and you are catching up.
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2 – The creditor demands the entire remaining amount at once.
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3 – The debt has been (partially) written off or waived.
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4 – You have been unreachable for the creditor for a long time.
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5 – Small arrears on your mortgage.
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9 – There is a legal conflict with the creditor.
When do you get registered and when do you not get registered with BKR?
You get yes a BKR registration with among others:
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loans longer than 1 month én higher than €250
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personal loans
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continuing credits
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mobile phone subscriptions with a device in installments
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your checking account’s overdraft
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“pay later” at certain web shops
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mortgage with payment arrears
You get no BKR registration at:
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study debt at DUO
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payment arrears at the Tax and Customs Administration
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debt at your health insurer
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fines at the CJIB
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a mortgage that you repay according to agreement (without arrears)
Negative BKR registration? Have your situation assessed
Do you have a negative BKR registration and do you find this unreasonable or disproportionate? A negative registration can get in the way for years when applying for a mortgage or loan.
Our specialized team assesses your BKR overview and investigates whether your negative BKR registration can be removed.
How do you send your BKR overview to us?
You can easily send your BKR overview as a PDF to us, for example:
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by email
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via WhatsApp
Send PDF via mobile
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Open your BKR overview.
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At the bottom you see in blue “Print”.
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Click on “Print” and then select “Save as PDF” (or share the file directly via email or WhatsApp).
Send PDF via computer
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Open your BKR overview on the website.
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Click on “Print” at the bottom.
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Change the printer destination to “Save as PDF”.
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Click on “Save” and send the file by e-mail or via WhatsApp.
Tip: Save your BKR overview so you can find it quickly later without having to log in again.
