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We're sorry to hear your credit application has been rejected. As long as you have a good track record on payments, a BKR registration can be to your advantage. If you are running several months behind on payments, a credit provider will report that to us. Credit providers use our information to decide whether or not to grant you credit, but we are not the one making that decision. So if you disagree with the decision, please contact your credit provider.

All credits in excess of €250 with a term of over one month are registered at BKR. If you have a commercial credit worth more than €1,000 for which you are personally liable, it will be registered at BKR as well.

More information about registered credits

If anything happens during the term of your credit, we will be informed as well:
• You are running behind on payments.
• You have caught up on your payment arrears.
• Other details, for instance repayment of your loan has been demanded.

Our records of payment arrears depend on the type of credit you have.

The following types of credit are not registered at BKR:
• Student loans
• Loans from friends or relatives
• Mortgage on your home. However, if you are in arrears on you mortgage payments, this is reported to BKR.
• Payment arrears at tax authorities, energy suppliers, housing corporations and health insurers.