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Re:Credit Card Debt Collection by petesergeant on Wednesday September 13, 2023 @04:17AM (#37493710)
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.
Re:Credit Card Debt Collection by pluijzer on Wednesday September 13, 2023 @06:34AM (#37494892)
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-verz...
Re:Credit Card Debt Collection by petesergeant on Wednesday September 13, 2023 @07:35AM (#37495361)
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?

Re:Credit Card Debt Collection by pluijzer on Wednesday September 13, 2023 @01:43PM (#37499403)
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.

Re:Credit Card Debt Collection by petesergeant on Thursday September 14, 2023 @03:59AM (#37506224)
Very interesting, thank you