Public access to financial services, particularly financing, is\nheavily influenced by credit scores within the Financial Services\nInformation System (SLIK) of the Financial Services Authority (OJK),\nformerly known as BI Checking.<\/p>\n
The worse an individual\u2019s credit score, the higher the likelihood\nthat their financing applications will be rejected by financial\ninstitutions, such as banks and multi-finance companies. Furthermore,\nthe OJK has now regulated that P2P lending platforms are mandatory\nreporters to SLIK. Consequently, loan histories within P2P lending also\naffect an individual\u2019s credit score.<\/p>\n
Prior to the release of this regulation, the Indonesian Real Estate\nAssociation (REI) noted that 40% of mortgage (KPR) applications were\nrejected due to poor credit scores, citing arrears in online loans as a\nprimary cause.<\/p>\n
Additionally, the OJK has highlighted cases where job seekers failed\nto secure employment due to obstacles presented by their credit scores\nin the OJK SLIK.<\/p>\n
Agusman, the Executive Head of Supervision for Financing\nInstitutions, Venture Capital, Microfinance Institutions, and Other\nFinancial Service Institutions at the OJK, stated that SLIK data can be\nupdated once a borrower has made payments or taken steps in accordance\nwith applicable regulations.<\/p>\n
Currently, SLIK checks can be performed independently. Therefore,\nindividuals should check their credit scores before applying for any\nloans.<\/p>\n
According to pegadaian.co.id, OJK SLIK scores are divided into five\ncategories. A customer with a score of 1 has the best credit history,\nwhile a score of 5 indicates issues with bad debts.<\/p>\n
It is important to note that only debtors with scores of 1 and 2 can\napply for bank loans without encountering problems. Customers with\nscores of 3, 4, and 5 need to clear their credit records first.<\/p>\n
Credit scores can be identified through the official website\nidebku.ojk.go.id. So, what should be done if one already has a poor\ncredit record?<\/p>\n
If there are still unresolved credit arrears, the only way to clear a\nbad credit record is to settle the outstanding obligations.<\/p>\n
However, there is a possibility that credit arrears appear due to an\nerror. If such an error is suspected, the necessary step is to contact\nor report the issue to the relevant parties.<\/p>\n
Typically, OJK SLIK data updates are completed within a maximum of 30\ndays from the date of settlement. You can also request a certificate of\nsettlement (SKL) as evidence when applying for new credit.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/how-to-clear-your-name-from-ojk-slik-or-bi-checking-1789307692", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }