Do you want to borrow money without a BKR, for example because you have a negative code there? The moment you incur a payment delay of at least 120 days, you will be given such a code, which means that it is no longer possible to take out a new loan. New lenders will usually carry out a BKR check, which means that you will no longer receive the loans. You can borrow money without BKR when you have one of the following codes.
A or H coding
At the BKR, both A and H codes are used. The A stands for ‘backlog’ in this case, while the H stands for ‘recovery’. However, this does not alter the fact that you may have been sentenced to borrow money without BKR at the time that you have experienced payment problems or have had them in the past. The moment you receive such coding, the BKR can tell you more about it. Look for the possibility of borrowing money without BKR, for example when you need some extra money in the coming month.
Type BKR codes
In addition to the indications using the letters, a number of different types of codes are also used, so borrowing money without BKR can be important. For example, do you have code 1? Then a repayment or debt arrangement has been made, due to the backlog that has arisen. Code 2 ensures that the claim is due and, with code 2, a minimum of $ 250 has already been deducted from the debt. If you are unreachable, you will receive code 4 and code 5 stands for a preventive payment scheme. This is a temporary variant, unlike the other codes, so borrowing money without BKR remains your only option for a limited time.
Borrow without BKR
Bear in mind that borrowing without BKR is generally not easy due to the coding. That does not alter the fact that there are indeed opportunities, which makes it worthwhile to look for them. Make sure that you have the option of properly paying the costs of the loan without BKR.
Delete BKR registration
Do you want to borrow money without BKR because of a code, but want to get rid of it in the long term? Then you can have your BKR registration removed by the company where you had fallen behind. Pay off the outstanding amounts and ask them to delete the registration. Your A coding will then be converted to a temporary H coding, or even completely removed. Borrowing the money without BKR because of the coding is then a thing of the past.