kredietscore

Kredietscore is a numeric indicator used by lenders to assess the creditworthiness of a borrower. It is not a single universal standard, but a concept applied by various credit bureaus and financial institutions in Dutch-speaking regions. The exact score, its scale, and the thresholds for approval or pricing differ by country, bureau, and product.

Lenders use the kredietscore to estimate the likelihood that a borrower will repay a loan or fulfil payment obligations. A higher score generally signals lower risk and can influence decisions such as loan approval, credit limits, interest rates, or rental agreements. The score can also affect access to services from telecom providers or landlords who perform credit checks.

The data behind a kredietscore typically comes from a borrower’s credit history and payment behavior. Common factors include payment punctuality on loans and cards, the total amount of outstanding debt, the number and age of credit accounts, and recent applications for new credit. Some models also incorporate public records or company-specific data. Because scoring methods are proprietary, the exact calculation is not always disclosed, and different bureaus may produce different scores for the same person.

Consumers can check their credit information with the relevant credit bureau or lender, and in many jurisdictions they have rights to access and correct personal data. To improve a kredietscore, it is advised to pay on time, reduce existing debt, avoid unnecessary new credit inquiries, and ensure the reported information is accurate. The score provides a snapshot of risk, not a definitive prediction of future behavior.