BKR is an independent foundation that collects and manages all credit data in the Netherlands. Credit providers use this data when assessing loan or mortgage applications. This helps them determine whether a loan is responsible and ensures you don’t take out a loan you may not be able to repay.
"}},{"componentType":"sectionTitle","title":"What is a BKR Registration?"},{"componentType":"paragraph","richBody":{"value":"If you take out a loan higher than €250 and lasting longer than one month, the bank or lender is legally required to report this to BKR. This is considered a positive registration.
Important: If you miss two or more payments for a Personal Loan or Student Credit, you receive a negative registration. For a Revolving Credit, this applies if you miss three or more payments. We aim to prevent this and will contact you first if you miss a payment.
"}},{"componentType":"accordion","accordionList":[{"title":"More about positive and negative registration","richBody":{"value":"Positive Registration
A BKR registration may sound negative, but it isn’t. If you’ve paid on time, it’s actually beneficial. It shows lenders that your payment behavior is reliable, which can help you qualify for a loan that suits your financial situation.
Negative Registration
If you miss two or more payments for a Personal Loan or Student Credit, or three or more for a Revolving Credit, we are required to report this to BKR. This can affect future loan or mortgage applications. Your credit remains visible at BKR as long as it is active. Once repaid and reported as closed, your data remains on file for five years.
"}}]},{"componentType":"sectionTitle","title":"What BKR codes are there?"},{"componentType":"paragraph","richBody":{"value":"There are two codes related to payment arrears and the recovery of those arrears. If you miss two or more payment terms, we report this to BKR. You will then receive a negative registration. In your BKR records, this will appear as an 'A' code for the relevant credit. If you catch up on your missed payments, this will also be visible in BKR. A 'H' code, for recovery, will then be added to the relevant credit.
"}},{"componentType":"accordion","accordionList":[{"title":"BKR Codes and Their Meaning","richBody":{"value":"| Code | Meaning |
|---|---|
| A | You are behind on your loan payments for a certain period. |
| H | You have caught up on your payment arrears and your loan continues as normal. Alongside the arrears code (A), a recovery code (H) is added. |
| 1 | You have a registered payment arrears (A) and have agreed on a payment plan to repay both the arrears and the loan. |
| 2 | The lender has demanded full repayment of the arrears and the loan. This means the lender has asked you to repay everything at once. |
| 3 | The lender has written off or forgiven €250 or more of the arrears and the loan. |
| 4 | The lender has tried to contact you but you were unreachable. |
| 5 | You have agreed on a preventive payment plan for your mortgage with your lender. This code is temporary. |
The above codes are sourced from BKR. View more information about the codes on the BKR website..
"}}]},{"componentType":"sectionTitle","title":"Can You Borrow Without a BKR Registration?"},{"componentType":"paragraph","richBody":{"value":"A loan under €250 can be taken out without a BKR registration. Certain loans and arrears are also not reported.
"}},{"componentType":"accordion","accordionList":[{"title":"This is not registered with BKR","richBody":{"value":"ING products not reported to BKR:
Yes, even with a BKR registration, you can apply for a loan.
"}},{"componentType":"accordion","accordionList":[{"title":"This is the impact on your loan application","richBody":{"value":"We use your BKR data to assess whether the loan is responsible.
We zijn verplicht jouw lening (dus ook bij een creditcard of rood staan) door te geven aan BKR als het bedrag hoger is dan €250.
"}},{"componentType":"accordion","accordionList":[{"title":"This data is sent to BKR","richBody":{"value":"Your data is not sent to BKR for all products.
ING products reported to BKR
ING products we do not report to BKR:
If you miss one payment, we’ll notify you and you can still pay. This won’t be reported to BKR.
"}},{"componentType":"accordion","accordionList":[{"title":"When we are required to report arrears to BKR?","richBody":{"value":"Have you missed two or more payments for a Personal Loan or Student Credit, or three or more for a Revolving Credit? Then we are required to report this to BKR. You will receive a negative registration with BKR. This registration remains visible for up to five years after the loan has been fully repaid—even if you’ve caught up on the missed payments or paid off the loan.
A negative registration can have unpleasant consequences. You may no longer qualify for a new loan or mortgage. Many lenders check whether you currently have or have had payment arrears in the past.
"}}]},{"componentType":"sectionTitle","title":"How Can You View Your BKR Registration?"},{"componentType":"paragraph","richBody":{"value":"You can request your credit overview online at BKR. This overview shows your current data and is free of charge.
"},"textLinks":[{"url":"https://www.bkr.nl/veelgestelde-vragen/inzien-van-mijn-kredietgegevens/","text":"View your data at BKR"}]},{"componentType":"sectionTitle","title":"How long is my BKR registration kept?"},{"componentType":"paragraph","richBody":{"value":"After you have repaid a loan and we have reported its termination, your data will be retained for five more years. The same applies to any payment arrears.
"}}]}}}