Why is BKR retaining my data although my loan has already ended?

Once you have fully repaid a loan, your data will be kept in our records for another five years. We do this to ensure any loans you take out in future will fit your financial situation. Based on the data in your credit summary, a credit provider can make an assessment of your payment behaviour in the past. It enables them to assess whether your situation is stable enough to grant you a new loan.