What do the notifications on my credit summary mean?

Credit providers may register various notifications regarding the status of your credit:

Arrears report (A)
You are running behind on several repayment instalments for your credit and you have received an advance notification from your credit provider that it intends to report your arrears to BKR.

Recovery of your arrears (R)
You have made good your arrears, but your credit is still outstanding. If you are making good your arrears and have fully repaid your credit, you will only see that your credit has been ended.

Payment arrangement (1)
You are in arrears, but you have agreed with your credit provider that you will repay in instalments: a payment arrangement. You agreed the payment arrangement after your arrears were reported to BKR.

Demand for repayment (2)
You are in arrears, and the credit provider is demanding full repayment of the credit in a lump sum. In many cases, this means a debt collection agency is called in. If you have repaid the full amount of the credit, the credit provider will register the end date, which you will see on your credit summary.

Written off (3)
This notification means your credit provider has written off or cancelled an amount:
The credit provider has cancelled € 250 or more of your arrears. You no longer need to repay the € 250 or more and you do not see an end date in your credit summary;
A write-off means the credit provider has written off the amount that it no longer expects to recover. The credit runs on, but there is no end date (yet).

Unreachable (4)
The credit provider has tried to get in touch with you, but you have been unreachable for some time.

Preventive payment arrangement (5)
You are in arrears on your mortgage payments and you have made a repayment arrangement as a precaution. This is a preventive payment arrangement. It is agreed in order to prevent serious arrears. When you have paid up, the notification is removed.

Why are events recorded?
Are you in arrears or is something else wrong with your credit? All events are recorded with a time stamp. This enables credit providers to check your payment history and assess your payment behaviour. Based on your payment behaviour, a credit provider can assess whether or not you will be able to repay a new loan without problems. This information can also be used by other credit providers to decide whether or not to grant you a new loan.