Court case AWB- 20_7155 VV – Court Ruling (Netherlands, 2020)

The data subject went through a debt assistance process at young age, due to medical costs and costs of her studies. However, she did her utmost to get rid of her debts. Now she has a stable job and would like to purchase a house. The registration in the credit registry was decisive in the refusal to grant a mortgage and the documents do show that in any event Rabobank and ING do not grant a mortgage if there is such a registration. The applicant cannot obtain a mortgage with the current registration, or it is very difficult and on much less favourable conditions. Does an entry in a credit registry that precludes somebody from obtaining a credit has to be deleted if the interests of the data subject outweigh the responsible granting of mortgages. The applicant cannot obtain a mortgage with the current registration, or it is very difficult and on much less favourable conditions. The applicant therefore has a substantial interest in deleting this registration in light of the actual reason for the debt assistance programme and her development.