Is there a blacklist?
Is there a blacklist on which people can end up and thus not get a loan? The answer is no. In the Netherlands, the Credit Registration Office (BKR) keeps track of the loans that have been lent. The data on these loans comes from the banks and financial service providers who must legally consult the BKR if they want to provide a loan.
Negative BKR listing
If people get a payment arrears or catch up with this debt, a code is put behind the loan. This listing is also referred to as negative bkr. There are also codes for payment schemes or remissions. Someone who has such a negative bkr often has difficulty borrowing money. Certainly because this negative statement remains in the BKR system for five years after the loan has been paid. Sometimes you cannot get credit for years because of a small unpaid bill from a mail order company or telephone bill.
Black list and still borrowing
It is not a blacklist that is the reason why you cannot get a loan, but a negative entry in the database of the Credit Registration Office. Because of this mention it is often not possible to borrow money. If you still need money urgently in the short term, a mini loan can offer a solution. Mini loans are small loans between 100 and 800 euros. The providers of the mini-credit have (also) an office abroad (England, Malta). As a result, they do not have to check the mini loan with the BKR, but make an assessment of the risks themselves if the customer can carry the loan. If you are a regular customer, a mini-loan can already be on the bank account the same day.
Remove blacklist entry
If people cannot get a loan, a blacklist is not responsible for this, but probably a negative BKR statement. There are various websites on the internet that offer to remove this negative bkr against payment. Unfortunately, this is less easy than is suggested. At the BKR, anyone can request a print-out of their status. In this way it is possible to find out whether a negative BKR is the reason that you cannot get a loan. The request only costs 5 euros on the official website of the BKR. If a negative entry is found and you find this wrong then you can take action. You then ask the company that gave this listing (a bank, mail order company, store) if they want to remove it. If they do not do this, you can go to the Disputes Committee as a final step for a final judgment.