Kredietrapport

Kredietrapport is a document that provides an overview of the credit history and current credit status of a person or a business. It is produced by credit bureaus or financial institutions and is used by lenders and other creditors to assess creditworthiness and risk when evaluating applications for loans, credit cards, leases, or services that involve deferred payment.

Contents typically include identifying information, records of existing and past debts, payment history, late payments, defaults, bankruptcies or insolvencies, credit lines and their utilization, and information about credit inquiries. Depending on the jurisdiction, a credit score or rating may be included to quantify risk. Some reports also note public records or judicial decisions that affect creditworthiness.

Data sources include banks and lenders, telecom and utility providers, and public records; data may also come from court registries or other registries. Data are collected with consent or under statutory provisions and are processed according to privacy laws. A consumer or business owner generally has the right to access their own kredietrapport, to request corrections of inaccurate information, and to obtain information about who has accessed their data. Lenders and bureaus must observe data retention and data protection requirements.

Usage: lenders use the report to decide whether to approve credit, set interest rates or credit limits, and assess ongoing risk. Landlords and other service providers may use it when screening applicants. A kredietrapport is a snapshot of credit activity and is not a guarantee of future behavior; its contents can change as new data are reported.