Jakarta, CNBC Indonesia – You need to check your credit score if you want to carry out other financial-related activities. There are many stories about people who cannot get a mortgage or a job because of a bad credit score.

To check it, you can go through the Financial Information Services System or SLIK belonging to the Financial Services Authority (OJK). Previously, checking was carried out via BI Checking.

SLIK has an Ideb service containing information on people’s credit history from various financial institutions. It contains data from banks to financial institutions.

Meanwhile, OJK plans to integrate data from fintech lending, namely regarding online loan applications (pinjol). This institution is currently working on establishing a Fintech Lending data center (Pusdafil).

To carry out the check, you need to prepare a number of necessary conditions. Next, you can directly access the idebku.ojk.go.id page.

SLIK Checking Conditions

Conditions for Individual Debtors

1. KTP for Indonesian Citizens
2. Passport for Foreign Citizens

Requirements for Business Entity Debtors

1. Management Identity (KTP for Indonesian citizens, Passport for foreigners)
2. NPWP of business entity
3. Deed of establishment/first articles of association
4. Latest amendment to the articles of association indicating changes in the management of the Business Entity.

Conditions for a debtor who dies

1. Identity of heirs (KTP for Indonesian citizens, Passport for foreigners)
2. Original document explaining the debtor’s death issued by the authorities; And
Documents showing family relationships/heirs.

How to Check Credit Score Online

1. Go to the idebku.ojk.go.id page
2. Click the registration button
3. Enter the requested data, from debtor type, nationality, debtor identity type and identity number.
4. Fill in your personal data, including full name, gender, place and date of birth, address, province, email and cellphone number.
5. Click the Next button
6. Upload a photo of your identity, a photo of yourself with your identity card, and a photo of yourself. Upload the photo according to the instructions provided.
7. Click Next
8. If the data is correct, check the information that all the data submitted is correct and ready to comply with the terms and conditions of the OJK, press the Submit Application button.
9. There will be a notification of Successful Registration and the registration number will be visible and can be copied.
10. Press the Close button to close the notification.
11. You can check the application status by pressing the Service Status button and entering the registration number.
12. OJK will process the application and send it via email no later than 1 day after the application is completed.

[Gambas:Video CNBC]

(dce)