This is how to check BI Checking or OJK SLIK online. All

JAKARTA, KOMPAS.com – When you want to apply for a loan, for example Home Ownership Credit (KPR), Motor Vehicle Loans, Unsecured Loans (KTA), or credit cards, a person will first have their credit score checked through BI Checking. What is BI Checking and how how to check BI checking online?

BI Checking is an information service that contains the recording of the debtor’s credit history, both in the form of smooth and non-performing loans or payment failures.

Currently, BI Checking has changed to the Financial Information Service System or OJK SLIK. However, it is still with the same service, namely the debtor’s credit information record.

So, our success in applying for a loan is very dependent on shoes credit in this OJK SLIK.

OJK SLIK can be accessed through the website or application. So, you can check your credit score online.

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How to check BI Checking online (how to check OJK SLIK)

How to check OJK SLIK To find out your credit score is very easy to do. Check out the steps below:

1. Prepare supporting documents. For individual debtors, the required documents are ID cards for Indonesian citizens or passports for foreigners.

Meanwhile, for business entity debtors, the supporting documents that must be prepared are the identity of the management (KTP for Indonesian citizens, Passport for foreigners), the business entity’s NPWP, the first deed of establishment/statutes of association, and the last deed of incorporation/statutes of association (if there is a change in the deed).

2. Fill in the queue form by opening the OJK online queue form link at the consumer.ojk.go.id/MinisiteDPLK/Registration link.

3. Then fill in the iDeb application form (debtor information).

4. Select the queue in the form of a time schedule and a description of the remaining queue slots.

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Here are the online queuing hours that you can choose from:

08:00 – 09:00
09:00 – 10:00
10:00 – 11:00
11:00 – 12:00
13:00 – 14:00
14:00 – 15:00

These hours are open Monday to Friday.

5. After completing the online queue form, you will get an email in the form of information on the results of the queue verification. This email is usually sent no later than H-2 from the queue date. In the email, a WhatsApp number for the OJK SLIK service will be listed.

7. The data verification stage is in the form of:

• Print the form and sign it three times
• Photo/scan the signed form and send it to the WhatsApp number listed in the email
• Include a selfie by showing your KTP
• OJK will perform further verification or video call via WhatsApp if required

7. Carefully read every point and direction in the email, so that there are no mistakes. So, the verification process can run according to the guidelines.

8. After you have completed all these steps and passed the verification, SLIK OJK will send you an email with detailed information on your SLIK debtor.

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Don’t worry if you have trouble reading the information. Because in the email also attached a guide on how to read iDeb.

Shoes Credit in BI Checking

There are several types of assessment or credit scores in BI Checking. Shoe credit This is a consideration for the bank to provide a loan or not. In general, this credit score uses a collectibility scale from 1 to 5.

The following are 5 credit collectibility in accordance with Financial Services Authority Regulation Number 40/POJK.03/2019 concerning Asset Quality Assessment of Commercial Banks:

• Collectability 1: Smooth, if the debtor always pays principal and interest on time. Good account development, no arrears, and in accordance with credit requirements.
• Collectability 2: In Special Mention, if the debtor is in arrears in payment of principal and/or interest between 1-90 days.
• Collectibility 3: Substandard, if the debtor is in arrears in payment of principal and/or interest between 91-120 days.
• Collectability 4: Doubtful, if the debtor is in arrears in payment of principal and/or interest between 121-180 days.
• Collectability 5: Loss, if the debtor is in arrears in payment of principal and/or interest for more than 180 days.

That’s it how to check BI Checking online or how to check OJK SLIK to find out credit scores. Make sure your payment history is always good to avoid being blacklisted or blacklisted by Bank Indonesia.

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