BKR Foundation: +10 million credit checks via DataHub

Credit information registration

Credit providers register credit information in the CKI. Credit providers record credit-related information on newly closed loans in this registration process and may also delete or modify previously registered data.

DataHub gathers and arranges all credit information about a single consumer. This task may seem simple, but identifying the same consumer can be challenging due to constant changes in their lives, such as moving, getting married, or getting divorced. The software ensures the accurate capture of credit information, regardless of the changes in a consumer's situation.

Access to credit information

Consumers have the right to request their credit information from the credit bureau. When a consumer requests access to their credit information, DataHub guarantees that only their information is provided.

Credit reviews by credit providers

Credit providers consult Stichting BKR for insights on a consumer's credit information during the credit application process. This helps them make responsible credit decisions.

However, credit providers often provide limited or incorrect data, whereas DataHub is crucial in providing accurate information.

The software displays the credit information of the best-matched consumer based on the data provided by the credit provider, even if this data is incomplete or inaccurate. The software will only display the credit information of the consumer in question.

DataHub: the correct data at the right time

The software plays a crucial role in coordinating all credit information, which ultimately leads to an improvement in the services provided by Stichting BKR because:

• Credit information is recorded accurately.
• Credit providers can make informed credit decisions by receiving reliable information.
• Consumers can easily and quickly access their data.