{
    "success": true,
    "data": {
        "id": 1731581,
        "msgid": "how-to-check-if-your-id-card-is-being-used-for-online-loans-or-not-online-and-offline-methods-available-1778496834",
        "date": "2026-05-11 17:05:00",
        "title": "How to Check if Your ID Card is Being Used for Online Loans or Not, Online and Offline Methods Available",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Regulation",
        "summary": "In the digital era, misuse of personal data, particularly National ID numbers (NIK) for unauthorised online loans, poses significant risks including unexpected debt collections and credit score damage. The Financial Services Authority (OJK) provides the SLIK service via iDebku platform for individuals to check their credit history online, while direct verification on legal loan apps and vigilance for warning signs are also recommended. Prompt reporting to OJK, police, and platforms, alongside preventive measures like avoiding data sharing and enabling two-factor authentication, are crucial to safeguard identities amid rising data breaches.",
        "content": "<p>Jakarta, CNBC Indonesia - Misuse of personal data remains a serious\nthreat in the digital era. One particularly distressing modus operandi\nis the use of another person\u2019s National Identity Number (NIK) or ID card\nto apply for online loans (pinjol) without the data owner\u2019s\nknowledge.<\/p>\n<p>Such cases can have major repercussions. Victims not only risk being\npursued for debts they never incurred but also face a drop in their\ncredit score, making it difficult to apply for official loans from\nbanks, credit cards, or mortgages in the future.<\/p>\n<p>This modus typically arises from data leaks, phishing, misuse of ID\ncard photos previously uploaded to certain platforms, or scams disguised\nas account verification or job opportunities.<\/p>\n<p>Therefore, the public should periodically check if their identity is\nbeing used for loan or credit activities without permission.<\/p>\n<p>One primary way to determine if your ID card is being used for loans\nis through the Financial Information Service System (SLIK) provided by\nthe Financial Services Authority (OJK). Through this service,\nindividuals can view their credit and financing history recorded in\ntheir name.<\/p>\n<p>Here are the steps:<\/p>\n<ul>\n<li><p>Access the official iDebku OJK website at\nhttps:\/\/idebku.ojk.go.id<\/p><\/li>\n<li><p>Select the Registration menu<\/p><\/li>\n<li><p>Fill in complete personal details, including:<\/p><\/li>\n<li><p>Type of debtor<\/p><\/li>\n<li><p>Nationality<\/p><\/li>\n<li><p>Type of identity<\/p><\/li>\n<li><p>Identity number (NIK)<\/p><\/li>\n<li><p>Upload a photo of the identity document and selfie as\ninstructed<\/p><\/li>\n<li><p>Click Submit Application<\/p><\/li>\n<li><p>Upon success, you will receive a registration number<\/p><\/li>\n<li><p>Check results are usually sent to the registered email within\nabout one working day<\/p><\/li>\n<\/ul>\n<p>Through SLIK, you can see if there are any active credit facilities\nin your name, including from banks or financing institutions that report\ndata to OJK. However, note that not all illegal pinjol services are\nrecorded in this system.<\/p>\n<p>Check via Legal Pinjol Applications<\/p>\n<p>In addition to SLIK, you can also check directly on legal pinjol\napplications registered and supervised by OJK.<\/p>\n<p>The method:<\/p>\n<ul>\n<li><p>Download the official pinjol application<\/p><\/li>\n<li><p>Select the login or forgot password menu<\/p><\/li>\n<li><p>Enter the mobile phone number or email usually used<\/p><\/li>\n<li><p>Check if an account has ever been registered using your\nidentity<\/p><\/li>\n<\/ul>\n<p>If you find an account you never created, immediately contact the\nplatform\u2019s customer service.<\/p>\n<p>This method is useful for checking potential misuse on specific\nplatforms, especially if your data has been leaked.<\/p>\n<p>Be Wary of Signs of ID Card Misuse<\/p>\n<p>Some indicators that your ID card may be used without permission:<\/p>\n<ul>\n<li><p>Receiving calls or WhatsApp messages about bills from debt\ncollectors<\/p><\/li>\n<li><p>Getting OTPs from loan applications when not registering<\/p><\/li>\n<li><p>Receiving emails of loan approvals never applied for<\/p><\/li>\n<li><p>Sudden worsening of credit score<\/p><\/li>\n<li><p>Official credit applications rejected without clear\nreason<\/p><\/li>\n<\/ul>\n<p>If Your ID Card is Used for Pinjol Without Permission<\/p>\n<p>If you discover an illegal loan in your name, take the following\nsteps immediately:<\/p>\n<ol type=\"1\">\n<li>Report to OJK<\/li>\n<\/ol>\n<p>OJK provides complaint channels:<\/p>\n<ul>\n<li><p>OJK Contact 157<\/p><\/li>\n<li><p>Email: [email protected]<\/p><\/li>\n<li><p>WhatsApp: 081-157-157-157<\/p><\/li>\n<\/ul>\n<ol start=\"2\" type=\"1\">\n<li>Contact the Relevant Pinjol Platform<\/li>\n<\/ol>\n<p>File an identity dispute and request an internal investigation.<\/p>\n<ol start=\"3\" type=\"1\">\n<li>Report to the Police<\/li>\n<\/ol>\n<p>If there are elements of identity theft or fraud, file an official\nreport.<\/p>\n<ol start=\"4\" type=\"1\">\n<li>Change Passwords for Important Accounts<\/li>\n<\/ol>\n<p>Immediately update passwords for email, mobile banking, and other\ndigital accounts if data leakage is suspected.<\/p>\n<ol start=\"5\" type=\"1\">\n<li>Activate Additional Protection<\/li>\n<\/ol>\n<p>Use two-factor authentication (2FA) on important accounts to prevent\nfurther misuse.<\/p>\n<p>How to Prevent ID Card Misuse<\/p>\n<p>To avoid easy misuse of data:<\/p>\n<ul>\n<li><p>Do not carelessly upload ID card photos<\/p><\/li>\n<li><p>Cover part of the NIK if only for non-essential\nverification<\/p><\/li>\n<li><p>Avoid sharing OTPs with anyone<\/p><\/li>\n<li><p>Ensure use only of official financial services<\/p><\/li>\n<li><p>Be cautious of phishing links requesting personal data<\/p><\/li>\n<\/ul>\n<p>Amid the prevalence of digital data leaks, periodic checks on credit\nstatus become an important step to ensure your identity remains\nsecure.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/how-to-check-if-your-id-card-is-being-used-for-online-loans-or-not-online-and-offline-methods-available-1778496834",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}