No loan for defaulters.

An acquaintance had found a beautiful house, but he could not buy it. He was listed with the Credit Registration Office (BKR) as a defaulter and did not receive a mortgage. It later turned out that he was confused with someone else who had failed to pay off a credit four years ago.

The Credit Registration Office registers many credits, such as credits, credit cards, mortgages and subscription details of some mobile phone providers. It was recently announced that there will be a national debt register, probably this year. There, rent, energy and possibly study debts are registered. The BKR may also manage this register.

Good information is also important. Anyone who pays too late now is sometimes told that further delay can lead to BKR coding. It is good to explain what the consequences could be.

Such a debt register can have major consequences: for example, if you pay your rent too late, you will then be unable to find another rental property for years to come. It is also possible that you do not want to pay your rent because you do not agree with the rent increase. Payment arrears is different from credit debt.

It is good that care is taken to ensure that people do not have too much debt. Nevertheless, according to the Consumers' Association, a debt registration system should primarily have a signal function and should not only be used to reject people who are considered unreliable by commercial companies.

If debts have been paid off or arrears have been made up, you as a consumer should not be chased for five years as is the case with the BKR now. Two years would be better.

To avoid errors, people must be able to easily access their data in the BKR register. This applies not only to the new debt register, but also to the BKR. 600,000 people currently have a (negative) BKR code.