Matters we can assess

• Checking the accuracy, age and legal basis of a BKR record.
• Reviewing notice requirements and relevant registration procedures.
• Requests for correction or removal and balancing of interests.
• Examining court options after refusal or where urgent action is needed.

Legal assessment

We assess the record under the applicable credit-register rules and data protection principles. Repayment history, elapsed time, current financial stability and the impact of the registration may be relevant. Any procedural route and deadline must be checked for the particular circumstances.

First steps and relevant documents

Obtain your current BKR record and retain the creditor’s correspondence. If a property transaction or other decision is imminent, give the exact date and evidence of urgency.

• BKR report and record codes
• Creditor letters and payment history
• Proof of repayment and financial stability
• Mortgage refusal or other concrete consequence