List of BKR registrations (overzicht BKR-registraties)
At the BKR (Credit Registration Office), you can request (for free) what debt is registered in your name.
What do I pay attention to?
- Is the name of the debtor mentioned?
- Is the amount of the debt mentioned?
- Is the type of credit mentioned?
Why is this necessary?
Each debt limits your borrowing capacity. This may be a loan, but also a credit card, or the possibility of an overdraft on your checking account. It does not matter if you currently use credit. To get an overview of your credit status, the lender always does a credit check for a mortgage application. To get an overview of your credit status the lender always does a credit check in case of a mortgage application.
When do you not have to ask for this yourself?
You will borrow significantly less than is possible on the basis of your income Furthermore you are sure that you have never had to deal with arrears.