How to Check if Your ID Number is Being Used for Online Loans to Avoid Regret
The misuse of personal data, such as National Identity Cards (KTP), for illegal online loan applications is becoming increasingly widespread and is causing significant public concern. Many individuals suddenly find themselves being pursued by debt collectors or discovering that their credit scores have been ruined, despite never having applied for any loans.
Identity theft by irresponsible parties is highly damaging, as it can tarnish your financial records within the banking and financial institution systems. To anticipate and ensure whether your NIK is ‘clean’ or has been misappropriated by others for loan facilities, you can perform an independent online check through the official SLIK OJK (Financial Services Authority Information Service System) service, formerly known as BI Checking.
How to Check KTP Usage via OJK iDebku
Citizens no longer need to visit OJK offices in person. Credit history and NIK checks can be conducted for free through the official iDebku O/JK website.
Here are the simple steps:
Access the Official Site: Open a browser on your mobile phone or computer and visit idebku.ojk.go.id.
Select Registration: On the main page, click the ‘Pendaftaran’ (Registration) menu.
Enter Personal Details: Select the debtor type (Individual), select nationality (Indonesian), enter your identity type (KTP) and your NIK number. Enter the captcha code provided and click ‘Selanjutnya’ (Next).
Complete Form & Upload Documents: Enter your full personal details (name, address, telephone/WhatsApp number, and active email address). Upload a photo of your original KTP and a selfie holding your KTP as instructed.
Submit Application: Once all data and photos are correctly uploaded, click ‘Ajukan Permohonan’ (Submit Application).
Wait for Verification & Results: After registration is complete, you will receive a registration number to check your application status. OJK will process the data verification. The credit history recapitulation (iDeb document) will be sent directly to your email address no later than one working day after the application is approved.
What to Do If Your KTP is Stolen for Online Loans?
If the OJK iDeb document is issued and you find active loans that you never applied for, immediately take the following legal and administrative steps:
Report to OJK Contact: Contact OJK at number 157, official WhatsApp 081-157-157-157, or email [email protected] to file a dispute regarding credit availability data.
Report to the Authorities: File a police report regarding the suspected crime of personal data theft and fraud. This police report is crucial to prove that you are a victim of identity theft.
Contact the Loan Provider: Visit or contact the customer service of the relevant online loan application to confirm that the registration is illegal and uses stolen identity.