How to Easily Check if Your ID Card Has Been Used for Loans

The increasing number of personal data misuse cases means the public needs to be more vigilant about the use of the Resident Identity Number (NIK) on their KTP. One common risk is it being used to apply for online loans without the owner’s knowledge.

To anticipate this, people can independently check whether their personal data has been used to apply for a loan. One of the main ways to find out if your KTP has been used for a loan is through the Financial Information Service System (SLIK) from the Financial Services Authority (OJK). Through this service, the public can view their recorded credit and financing history.

Via SLIK, you can see if there are active credit facilities in your name, including from banks and financing institutions that report data to the OJK. However, it should be noted that not all illegal online loan services are recorded in this system.

You can also check directly on legal online loan applications that are registered and supervised by the OJK. If you find an account you never created, immediately contact the platform’s customer service. This method is useful for checking the possibility of misuse on a specific platform, especially if your data has been leaked.

If you discover an illegal loan in your name, immediately take the following steps: Report it to the OJK, which provides a complaint channel. Contact the relevant online loan platform to file an identity dispute and request an internal investigation. Report it to the police if there is an element of identity theft or fraud, and make an official report. Change the passwords of important accounts, such as email, mobile banking, and other digital accounts, if a data leak is suspected. Activate additional protection by using two-factor authentication (2FA) on important accounts to prevent further misuse.

Amid widespread digital data leaks, periodically checking your credit status is an important step to ensure your identity remains secure.