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.
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.