If you frequently pay late or even skip your credit card or other installment payments, be careful. The impact isn’t just accumulating more debt—it can also damage your reputation as a debtor. A bad credit reputation will make things difficult for you in the future. Your credibility as a borrower will be questioned, making lenders hesitant to approve your loan applications.

Your credit history is recorded in SLIK by the Financial Services Authority (OJK). SLIK OJK stands for Financial Information Service System, previously known as BI Checking. This system serves as a credit history database used by both lenders and borrowers.

The information in SLIK provides creditors with insights into a person’s creditworthiness. It includes details such as identity, payment history, acquired loans, and collateral. This data is updated monthly and can be accessed by banks and financial institutions.

What Is SLIK OJK?

According to OJK, SLIK is an information system managed under its supervision. It aims to carry out monitoring tasks and provide financial information services, including debtor information (iDeb).

SLIK expands the scope of iDeb by encompassing banks, financing institutions, and non-bank financial institutions that have access to debtor data and are required to report it to the Debtor Information System.

Functions of SLIK OJK

SLIK is useful as an individual credit information tool. You can check your credit quality. A clean credit record makes it much easier to apply for loans from banks or other financial institutions, increasing your chances of approval.

From a lender’s perspective, SLIK serves as a fundamental tool for assessing individuals before granting credit, helping mitigate future credit risks. It provides financial transparency that benefits both borrowers and creditors. Essentially, SLIK acts as your financial report, determining your eligibility for credit.
 

Read: Need a Loan Without a Credit Card? Neo Loan is the Solution

How to Check SLIK OJK Online Easily

Besides the conventional method of visiting an OJK office, you can also check SLIK online. Not just banks or financial institutions—any individual can check their SLIK OJK status online.

Steps to Check SLIK Online

1. Visit https://idebku.ojk.go.id
2. Select ‘Registration’
3. Fill in all required fields and check service availability
4. Complete the registration form
5. Upload the necessary documents
   For Individuals:
   • ID card (KTP)
   • Power of attorney (if applicable)
   • Death certificate and proof of family relationship (if the debtor is deceased)
      
6. For Businesses:
   • Taxpayer identification number (NPWP)
   • Articles of incorporation
   • Latest amendment to the company’s articles of association
   • Power of attorney (if applicable)
      
7. Upload a photo as instructed
8. Complete registration—you will receive an email with your registration number
9. OJK will validate your data
10. Check your application status in the ‘Service Status’ menu
11. If approved, you will receive your iDeb report via email within one business day

Steps to Check SLIK Offline

1. Prepare the required documents (same as online requirements)
2. Visit the nearest OJK office
3. OJK will review your application
4. If approved, your SLIK report will be sent via email

Understanding Your SLIK Credit Score

SLIK OJK assigns credit scores based on the following categories:

1. Score 1 – Current Credit
   • Your credit history is excellent; you have never missed a payment.
      
2. Score 2 – Special Attention Credit
   • You have overdue payments ranging from 1 to 90 days.
      
3. Score 3 – Non-Performing Credit
   • You have overdue payments between 91 and 120 days.
      
4. Score 4 – Doubtful Credit
   • You have overdue payments between 121 and 180 days.
      
5. Score 5 – Bad Credit
   • You have overdue payments exceeding 180 days

Read: Tips for Overcoming Bad Credit

Does SLIK Affect the Hiring Process?

As a credit report, SLIK may influence the hiring process for new employees. Job applicants with poor credit scores or significant outstanding debts might be rejected. Some companies consider SLIK as part of their hiring criteria.

However, according to the Ministry of Manpower, SLIK mainly relates to online loans and does not significantly affect recruitment decisions. Still, some companies do use it as a consideration, depending on their policies.

To be safe, maintain good financial habits—not just for future loan approvals but also for job opportunities. Avoid overdue payments that could damage your credit score!

How to Clear a Bad Credit History

If your SLIK credit score is poor and affects your ability to apply for loans, don’t worry—you can still fix it. Here’s how:

1. Pay off outstanding debts as soon as possible.
2. If your score remains low after settling debts, request a clearance letter from your creditor, along with proof of payment.
3. Submit the letter to OJK and request a data update and credit status correction.
4. Wait for OJK to process your request and update your credit status.
5. Once your credit status is restored, you can apply for loans again.

Maintaining a good credit record is crucial. A positive credit score enables you to access emergency funds through Neo Loan in neobank.

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For complete information and terms & conditions regarding Neo Loan, visit the link https://s.id/webneoloan & if you want to apply for Neo Loan, click the link https://s.id/neoloan

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PT Bank Neo Commerce Tbk is licensed and supervised by the Indonesia Financial Service Authority (OJK) and Bank Indonesia (BI), and an insured member of Deposit Insurance Corporation (LPS).