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What exactly does a review at the BKR entail?
With every credit application from an affiliated bank, mailing house or insurer in the Netherlands, the BKR register is always consulted, the 'BK-test'. This register of the Central Credit Information System (CKI) shows who has a loan or a credit mortgage in their name in the Netherlands. The other mortgages are not registered there, except for an arrears code on a mortgage. The test is designed to protect the lender and you, the borrower.
Many people think that everything about someone's financial situation is known at BKR. This is not the case. Matters such as income, rental debt, tax debt or unpaid bills at an energy company or health insurer are not known to the BKR. Student loans from the Education Executive Agency (DUO) are also not available at BKR.
BKR coding tells you something about your payment morality. If you have had loans in the past, they are registered on the BKR. Did you know that with a “known BKR” banks scale you in a lower risk class than someone without “borrowing experience”? For example, they read that you neatly pay off your loan and thus fulfill your obligation to the departing person. A negative BKR coding (arrears coding) is marked on your BKR if you have payment arrears or have not yet paid them. For example, a negative A code remains registered on the BKR for 5 years, even if it has been restored in the meantime. Lenders will not grant you new credit in the relevant 5 years that your coding is designated. Applying for a credit makes no sense.
If you apply for a loan through Pringlelab Credit Collection, a BKR test is always done.
What do customers say about our services?
Date: Tuesday January 12
“A very pleasant experience with Pringlelab Credit Collection. They ask you for a shout, but then all the data is ultimately correct. Only when they are satisfied do they forward the application. This gives confidence. Furthermore, communication is fast and pleasant. ”
Mrs. Van ApeldoornView all 1142 reviews
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