BKR is an independent foundation that collects and manages credit information in the Netherlands. Lenders use this data when you apply for a loan or mortgage. This helps them assess whether a loan is responsible and fits your financial situation. By law, lenders are required to report credit they provide to BKR. This is called a positive BKR registration.
"},"textLinks":[{"text":"Read more"}]},{"componentType":"sectionTitle","title":"What is a negative BKR registration?"},{"componentType":"paragraph","richBody":{"value":"If you have arrears at ING, we are required to report this to BKR. These are called negative registrations, also known as codes. A negative code can affect your ability to get a new loan or mortgage. A lender may reject your application because of this code.
BKR has rules for registering arrears, depending on the type. We follow these rules. Once you’ve paid off the arrears, we report this to BKR. The registration will then remain visible for 5 years.
You can request your credit overview from BKR for free. Also check BKR’s Frequently Asked Questions (FAQ).
"},"textLinks":[{"text":"Check your details at BKR (Dutch)","url":"https://www.bkr.nl/veelgestelde-vragen/inzien-van-mijn-kredietgegevens/"}]},{"componentType":"paragraph","richBody":{"value":"Your BKR credit overview may show different codes. Here’s an overview of the codes and what they mean.
"},"title":"Which BKR codes are there?"},{"accordionList":[{"richBody":{"value":"
| Code | Meaning |
|---|---|
| A | You have arrears your credit payments for a certain period. |
| H | You have caught up on your arrears and your credit continues as normal. Next to the arrears code (A), you will also see a recovery code (H). |
| 1 | You have registered payment arrears (A) and you have agreed on a payment arrangement to repay the arrears and the credit. |
| 2 | The credit provider has demanded full repayment of the arrears and the credit. This means they’ve asked you to pay everything back in one go. |
| 3 | The credit provider has written off € 250 or more from the arrears and the credit, or they’ve forgiven €250 or more. |
| 4 | The credit provider tried to contact you, but you were unreachable. |
| 5 | You have agreed on a preventive payment arrangement for your mortgage with your credit provider. This code is temporary. |
These codes come from BKR. For more details about the codes, visit BKR (Dutch).
"},"title":"Overview of codes and what they mean"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Do you disagree with your negative BKR registration?"},{"componentType":"paragraph","richBody":{"value":"Is your BKR registration incorrect or do you want it removed? You can submit a request to our BKR desk. Follow the steps below to do this free of charge.
"}},{"componentType":"sectionTitle","title":"Step 1: Check if you have arrears"},{"componentType":"paragraph","richBody":{"value":"Do you have a question about your BKR registration and arrears? Contact us first. Check ING Achterstanden to see if you have arrears and how to resolve it. You’ll also find contact options there.
"},"textLinks":[{"text":"Go to ING Achterstanden","url":"https://mijn.ing.nl/banking/mobile/collections?EW=true"},{"text":"Help logging in","url":"/en/personal/collections/go-to-ing-achterstanden"}]},{"componentType":"sectionTitle","title":"Step 2: Explain why your BKR registration should be changed"},{"componentType":"paragraph","richBody":{"value":"ING follows BKR rules for adjusting or removing registrations. Clearly explain why your registration should be changed or removed.
Send an email to bkr@ing.nl and include:
To protect your privacy, please make sure your documents do not show your BSN (Burgerservicenummer)
Does your BSN appear on a document? Remove or hide your BSN before sharing the document with ING.
"}},{"componentType":"sectionTitle","title":"Step 4: We review your request"},{"componentType":"paragraph","richBody":{"value":"Our BKR desk will review your request. You’ll receive a response within 4 weeks. If your registration is incorrect, we will update it immediately.
"}},{"componentType":"paragraph","richBody":{"value":"We will explain why we cannot change your registration. If you disagree, you can file a complaint with Kifid (Financial Services Complaints Institute).
"},"textLinks":[{"text":"Go to KIFID (Dutch)","url":"https://www.kifid.nl/"}],"title":"Was your request denied by our BKR desk?"}]},"hasMacro":false,"id":"8d9e65df-dfdb-4c50-82b7-33b18e102d5f","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Resolving arrears","url":"/en/personal/collections"}},"componentType":"productHeader","coreHeader":{"body":"A BKR registration can make it harder to get a loan or mortgage. Does your BKR registration seem incorrect, or do you disagree with it? Here’s what you can do.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/a2ab3ac594107b5/original/814x360_PC_man.jpg","transformBaseUrl":"https://assets.ing.com/transform/9381f95f-474b-4486-b334-b2301898d2ed/814x360_PC_man","type":"image","width":814},"title":"A BKR Registration"},"cta":{"componentType":"cta","textLink":{"text":"Check your details at BKR (Dutch)","url":"https://www.bkr.nl/veelgestelde-vragen/inzien-van-mijn-kredietgegevens/"}}},"publishDate":"2025-11-25T14:26:50.269+01:00"}}