4 ms·

Just a heads up for people living in the EU, it is possible to have things like negative credit ratings removed on grounds of GPRD.

petesergeant 3y ago
Do you have a source that specifically states I can get a bad debt scrubbed from my credit rating under GDPR provisions? It doesn’t match my understating of GDPR at all.
- pluijzer 3y ago
  I got my bad debt scrubbed this way. This was in the Netherlands. It is not always possible, some sources here (in Dutch): https://www.vldwadvocaten.nl/blog/bkr-en-avg-bezwaar-en-verzoek-gegevenswissing-toch-mogelijk/ https://www.vldwadvocaten.nl/blog/bkr-en-avg-bezwaar-en-verz...
  - petesergeant 3y ago
    Google translation: “and that means that you can submit a GDPR request to have a BKR registration corrected” This suggests you can only get records removed if they’re incorrect — is that what you meant?
    - pluijzer 3y ago
      The record can technically be correct but not in "pursuit of a legitimate interest". In that case the negative record can be "corrected". So, in my case. When I was a teenager I opened a second bank account with credit card. In only used the card once for something small and forgot about it. Throughout the years the cost of this card started to built up, messages to pay back where not received because I already had a different address and phone number. Years later this resulted in a negative BKR registration for me. I explained the situation to the bank (that could technically let the registration be removed) but they refused. Later I had a lawyer order them to remove the registration, on grounds that me forgetting about a credit card when I was young was no reason to believe I wouldn't be paying my mortgage. The registration was therefor not in "pursuit of a legitimate interest". The bank honored this.
      - petesergeant 3y ago
        Very interesting, thank you
yorwba 3y ago
... only if they're no longer considered necessary for the purpose of judging your creditworthiness. So in practice you're unlikely to get anything expunged ahead of schedule, filing a complaint only makes sense if the credit reporting agency kept your data for longer than they said they would (in Germany, this is 3 years at most).

petesergeant 3y ago

Do you have a source that specifically states I can get a bad debt scrubbed from my credit rating under GDPR provisions? It doesn’t match my understating of GDPR at all.

pluijzer 3y ago
I got my bad debt scrubbed this way. This was in the Netherlands. It is not always possible, some sources here (in Dutch): https://www.vldwadvocaten.nl/blog/bkr-en-avg-bezwaar-en-verzoek-gegevenswissing-toch-mogelijk/ https://www.vldwadvocaten.nl/blog/bkr-en-avg-bezwaar-en-verz...
- petesergeant 3y ago
  Google translation: “and that means that you can submit a GDPR request to have a BKR registration corrected” This suggests you can only get records removed if they’re incorrect — is that what you meant?
  - pluijzer 3y ago
    The record can technically be correct but not in "pursuit of a legitimate interest". In that case the negative record can be "corrected". So, in my case. When I was a teenager I opened a second bank account with credit card. In only used the card once for something small and forgot about it. Throughout the years the cost of this card started to built up, messages to pay back where not received because I already had a different address and phone number. Years later this resulted in a negative BKR registration for me. I explained the situation to the bank (that could technically let the registration be removed) but they refused. Later I had a lawyer order them to remove the registration, on grounds that me forgetting about a credit card when I was young was no reason to believe I wouldn't be paying my mortgage. The registration was therefor not in "pursuit of a legitimate interest". The bank honored this.
    - petesergeant 3y ago
      Very interesting, thank you

yorwba 3y ago

... only if they're no longer considered necessary for the purpose of judging your creditworthiness. So in practice you're unlikely to get anything expunged ahead of schedule, filing a complaint only makes sense if the credit reporting agency kept your data for longer than they said they would (in Germany, this is 3 years at most).