Listen! This is how to clear your name from BI Checking or SLIK OJK

Jakarta, CNBC Indonesia – The chance to get financing is greatly influenced by the credit score in the Financial Information Services System (SLIK) of the Financial Services Authority (OJK) or previously known as BI Checking.

The worse the score, the harder or even impossible it will be for someone to get credit from financial institutions like banks and multi-finance companies. In addition, currently the OJK has ruled that P2P online loans are parties that must report to SLIK. Therefore, the history of loans in P2P Lending will also affect a person’s credit score.

Before the regulation was released, the Real Estate Association of Indonesia (REI) even reported that 40% of home ownership credit (KPR) applications were rejected due to poor credit scores. They said that this was due to arrears in installments on the loan.

In addition, OJK also highlighted cases of job seekers who did not find work because they were blocked by their credit score at SLIK OJK.

The Chief for the Management of Financial Institutions, Venture Capital Companies, Microfinance Institutions and Other Financial Services Institutions OJK Agusman said that SLIK data can be updated if the borrower (borrower) has made payments or taken measures in accordance with relevant regulations .

In fact, SLIK research can now be done independently. Therefore, one should check one’s credit score before applying for a loan.

Referring to the page pegadaian.co.id, the OJK SLIK score is divided into five. Customers with a score of 1 have the best credit history, while those with a score of 5 have problems with bad credit.

Note that only debtors with scores 1 and 2 can apply for credit from the bank without encountering problems. Customers with scores of 3, 4, and 5 must clear their scores first.

As for how to find out your credit score, you can do it through the official website idebku.ojk.go.id. So, what do you do if you already have bad credit?

If credit arrears are still outstanding, the only way to clear a bad credit record is to pay off the outstanding obligations.

However, it is possible for credit arrears to arise as a result of a mistake. If you suspect this has happened, what you need to do is contact or inform the relevant party about the problem.

Normally, OJK SLIK data update is done up to 30 days after payment. You can also request a certificate of payment (SKL) as proof to apply for a new credit.

(hsy/hsy)

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