Registrations with the Credit Registration Bureau (BKR)
You can apply to the Credit Registration Bureau (the BKR, or Bureau Krediet Registratie) for a list of the credits registered in your name for a charge. A credit will affect the amount you can borrow. This may be a loan, but the listing also includes credit cards and any overdraft facility on your current account. Whether you currently use this facility or not makes no difference.
A lender will always carry out a BKR check for mortgage applications to obtain insight into your credit status. You do not have to apply for this check if you plan to borrow significantly less than the maximum possible on the basis of your income. It is also not necessary when you know for sure that you have never been in arrears with your payments.
- Make sure that the name of the debtor is stated.
- Make sure that the amount of the debt is shown
- Make sure that the type of credit is stated.