Credit history is vital for obtaining financing from financial\nservice institutions, especially for those planning to apply for Home\nOwnership Loans (KPR), business capital loans, or new credit cards.<\/p>\n
Now, the public can independently check their financial \u2018track\nrecord\u2019 beforehand, allowing Indonesians to verify loan status, payment\nhistory, and creditworthiness officially and free of charge.<\/p>\n
It is important to note that checking credit history no longer uses\nBank Indonesia\u2019s BI Checking service. Since 2018, this authority has\nbeen fully transferred to the Financial Services Authority (OJK) through\na system called the Financial Information Service System (SLIK).<\/p>\n
The public can access this service online through the official OJK\niDebku portal at https:\/\/idebku.ojk.go.id. This platform is directly\nintegrated with OJK\u2019s head and regional offices across Indonesia,\nensuring that the data presented is accurate and legally valid.<\/p>\n
Through this portal, all debts under your name\u2014ranging from\ncommercial banks and finance companies (multifinance) to\ntechnology-based lending providers\u2014will be visible transparently.<\/p>\n
What Information is Available in SLIK OJK?<\/p>\n
The Debtor Information Report (iDeb) issued by the OJK contains\ncomprehensive details of all credit facilities you currently hold or\nhave previously held. This data serves as the primary reference\n(scoring) for banks and financial institutions before approving your new\ncredit applications.<\/p>\n
Complete Guide on How to Check SLIK O_J K via iDebku<\/p>\n
The process of requesting a credit score in iDebku is relatively\nsimple. Here is a step-by-step guide you can follow:<\/p>\n
Phase 1: Account Registration & Application<\/p>\n
Open a browser on your phone or computer and visit\nhttps:\/\/idebku.ojk.go.id.<\/p><\/li>\n
On the main page, click the Registration button, then enter the\nService Availability Check menu.<\/p><\/li>\n
Fill in the initial required data: Debtor Type (Individual or\nBusiness), Nationality (WNI or WNA), Identity Type (KTP or Passport),\nand Identity Number.<\/p><\/li>\n
Enter the Captcha code, then click Next.<\/p><\/li>\n
Tip: If a notification appears stating the quota is exhausted, it\nmeans the daily queue is full. You can try again during off-peak hours,\nsuch as early morning before working hours or at night when the quota is\nupdated.<\/p><\/li>\n
Complete your personal details in detail (full name, gender,\nplace\/date of birth, address, active email, mobile number, mother\u2019s\nmaiden name, and the purpose of the application). Click Next.<\/p><\/li>\n
Upload Required Documents (maximum size of 4 MB per file; images\nmust be clear and not blurry): A photo of your identity document\n(KTP\/Passport), a selfie holding your identity document, and a selfie\nfollowing the instructions on the screen.<\/p><\/li>\n
Click Next, then press Submit Application.<\/p><\/li>\n
Tick the declaration of data truth and agreement to OJK\u2019s terms\nand conditions, then click Submit Application once more.<\/p><\/li>\n
Once registration is successful, save or copy the Registration\nNumber that appears to check your application status.<\/p><\/li>\n<\/ul>\n
Phase 2: How to Check Application Status<\/p>\n
Re-access the idebku.ojk.go.id website.<\/p><\/li>\n
Select the Service Status button.<\/p><\/li>\n
Enter the Registration Number you saved previously.<\/p><\/li>\n
The system will display the verification status of your\napplication.<\/p><\/li>\n
In accordance with OJK regulations, the iDeb SLIK report results\nwill be sent directly in digital document format to your active email\naddress no later than 1 (one) working day after the registration is\nverified.<\/p><\/li>\n<\/ul>", "url": "https:\/\/jawawa.id\/newsitem\/bi-checking-has-changed-you-can-now-check-your-own-debts-online-1788677625", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }