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.

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.

Are you not paying back your loan as agreed? And did you miss payments? Then you will receive a negative listing. This can be a problem if you want to buy a house or take out a loan.

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.

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.

You can request your credit details directly from BKR. This is free of charge.

Visit mijnkredietregistratie.nl (in Dutch) to see how this works.

Is something incorrect, or do you disagree with the BKR registration we reported? We’re happy to look into this for you. You can submit a BKR request using the link to the form at the bottom of this page.

Please note: you can only use this form for questions about your BKR registration. You can find many other topics and ways to contact us on our website.

• If you think something is wrong with the BKR registration we reported.
• If you want to have a negative BKR registration we reported removed.

Use the link to the form below and explain clearly what you think is incorrect. Also tell us how you think it should be recorded instead.

Explain clearly in the form why you want the registration removed. It is only possible to remove a negative BKR registration in exceptional situations.

Sometimes we need a bit more information. If so, we may ask you to send extra documents. The documents we need depend on your request. Sending them helps us review your request faster.

If your request is complete, you usually get a reply within 20 working days.

The easiest way to submit your request is to click on ‘Apply’ and then log in to Internet Banking.  
Can’t log in to Internet Banking? Then choose ‘Apply without logging in’.
The request form is in Dutch. If you're not able to fill it in, please contact us.