Credit listing
What, why and when?
Do you want to borrow money? Before approving a loan, we always check whether you are listed in the Dutch national Credit Register (Bureau Krediet Registratie – BKR). This helps make sure you do not borrow more than you can afford and helps prevent missed payments.
Do you have a loan with us and think there is something wrong with your BKR registration? Below you can read what you can do.
Why a credit listing?
In the Netherlands, consumers are protected from taking out loans they can’t afford to repay: loans and overdue repayments are listed in the National Credit Register. You must be able to afford repayments on your loans. When you apply for a loan, we’ll perform a credit check. This is standard procedure.
Positive listing
If you take out a loan, you’re assigned a positive credit listing. If you make your repayments as required, this listing won’t have any consequences for your credit rating. If you apply for a new loan, we can see from the National Credit Register whether or not you can afford to borrow money.
Negative listing
Are you not paying back your loan as agreed? And did you miss payments? Then you will receive a negative registration. This can be a problem if you want to buy a house or take out a loan.
BKR Pre-announcement letter
If it appears that you are going to receive a negative BKR credit listing, you will receive a letter from us 14 days in advance. This letter explains what you can still do to avoid receiving a negative credit listing.
Registration details
Included in the Register
The Register includes details on loans of over € 250 and loans with a term to maturity of more than one month, such as:
- Personal loans
- Revolving credit
- Credit card limits (if you pay instalments)
- Overdraft limits
- Deferred payments ('buy now, pay later')
- Private lease schemes
- Device loans by telecoms providers
Not included in the Register
- Student loans
- Back rent
- Missed payments with energy suppliers
- Missed payments with health insurance providers
- Mortgages (please note: overdue payments are assigned a negative listing)
- Family loans
Before you receive a negative credit listing
We inform you in advance
If you have a loan with us and we are going to report a negative BKR credit listing, you will receive a letter 14 days in advance.
This advance notification letter explains how you may be able to prevent a negative credit listing.
When do we report missed payments?
We only report missed payments to BKR after 60 or 90 days, depending on the type of loan.
At that moment, your positive credit listing changes into a negative credit listing. This stays visible until your payments are fully up to date again.
What does the National Credit Register know about you?
If you take out a loan from us, we’re expected to share the following details with the Register:
- Your name
- Your address
- Your date of birth
- The type of loan
- Your contract number
- The amount of your loan
- The first and last month of repayment
If you terminate your loan, your details will continue to be listed for another five years.
Viewing your BKR credit listing
You can request your credit details directly from BKR. This is free of charge.
Visit mijnkredietregistratie.nl to see how this works.
Don’t agree with your credit listing?
Do you think something is incorrect, or do you disagree with the BKR listing we reported? We are happy to look into this for you.
Please contact us so we can help.
Contact us about your BKR registration if:
- You believe something is incorrect in the BKR registration we have reported.
- You want to have the negative credit listing we reported removed.
Why you should choose ABN AMRO for your loan
Personal contact
If you’ve got any questions about loans, our staff at the Loans Desk are happy to help by telephone.
English-speaking advisers
Our International Client Desks advisers would be happy to help you, in English, of course.
Excellent terms and conditions
From a competitive interest rate to no fee for additional repayments, we offer excellent terms and conditions.