How to Check if Your ID Card is Being Used for Online Loans or Not, Online and Offline Methods Available
Jakarta, CNBC Indonesia - Misuse of personal data remains a serious threat in the digital era. One particularly distressing modus operandi is the use of another person’s National Identity Number (NIK) or ID card to apply for online loans (pinjol) without the data owner’s knowledge.
Such cases can have major repercussions. Victims not only risk being pursued for debts they never incurred but also face a drop in their credit score, making it difficult to apply for official loans from banks, credit cards, or mortgages in the future.
This modus typically arises from data leaks, phishing, misuse of ID card photos previously uploaded to certain platforms, or scams disguised as account verification or job opportunities.
Therefore, the public should periodically check if their identity is being used for loan or credit activities without permission.
One primary way to determine if your ID card is being used for loans is through the Financial Information Service System (SLIK) provided by the Financial Services Authority (OJK). Through this service, individuals can view their credit and financing history recorded in their name.
Here are the steps:
Access the official iDebku OJK website at https://idebku.ojk.go.id
Select the Registration menu
Fill in complete personal details, including:
Type of debtor
Nationality
Type of identity
Identity number (NIK)
Upload a photo of the identity document and selfie as instructed
Click Submit Application
Upon success, you will receive a registration number
Check results are usually sent to the registered email within about one working day
Through SLIK, you can see if there are any active credit facilities in your name, including from banks or financing institutions that report data to OJK. However, note that not all illegal pinjol services are recorded in this system.
Check via Legal Pinjol Applications
In addition to SLIK, you can also check directly on legal pinjol applications registered and supervised by OJK.
The method:
Download the official pinjol application
Select the login or forgot password menu
Enter the mobile phone number or email usually used
Check if an account has ever been registered using your identity
If you find an account you never created, immediately contact the platform’s customer service.
This method is useful for checking potential misuse on specific platforms, especially if your data has been leaked.
Be Wary of Signs of ID Card Misuse
Some indicators that your ID card may be used without permission:
Receiving calls or WhatsApp messages about bills from debt collectors
Getting OTPs from loan applications when not registering
Receiving emails of loan approvals never applied for
Sudden worsening of credit score
Official credit applications rejected without clear reason
If Your ID Card is Used for Pinjol Without Permission
If you discover an illegal loan in your name, take the following steps immediately:
- Report to OJK
OJK provides complaint channels:
OJK Contact 157
Email: [email protected]
WhatsApp: 081-157-157-157
- Contact the Relevant Pinjol Platform
File an identity dispute and request an internal investigation.
- Report to the Police
If there are elements of identity theft or fraud, file an official report.
- Change Passwords for Important Accounts
Immediately update passwords for email, mobile banking, and other digital accounts if data leakage is suspected.
- Activate Additional Protection
Use two-factor authentication (2FA) on important accounts to prevent further misuse.
How to Prevent ID Card Misuse
To avoid easy misuse of data:
Do not carelessly upload ID card photos
Cover part of the NIK if only for non-essential verification
Avoid sharing OTPs with anyone
Ensure use only of official financial services
Be cautious of phishing links requesting personal data
Amid the prevalence of digital data leaks, periodic checks on credit status become an important step to ensure your identity remains secure.