Cleaning Up Your SLIK OJK Credit Score in 2026

Jakarta, February 22, 2026 – Access to financial services in Indonesia is heavily influenced by your credit record, as maintained by the Financial Information Services System (SLIK) of the Financial Services Authority (OJK), formerly known as BI Checking. A poor credit score can significantly limit your ability to secure loans from banks and other financial institutions. With OJK now requiring peer-to-peer (P2P) lending platforms to report data to SLIK, your borrowing history on these platforms similarly impacts your creditworthiness.

The Impact of a Poor Credit Score

A negative credit record can hinder access to financing, including home loans (KPR). The Indonesian Real Estate Association (REI) reported that approximately 40% of KPR applications were rejected due to poor credit scores, often stemming from defaults on online loans. OJK has also noted cases of job applicants being denied employment due to unfavorable SLIK OJK scores.

Understanding SLIK Scores

SLIK scores are categorized from 1 to 5, with 1 representing the best credit history and 5 indicating significant credit problems. Scores of 1 and 2 generally allow for smooth credit applications, while scores of 3, 4 and 5 require remediation before applying for new credit.

How to Check Your SLIK Score

You can independently check your credit score through the official OJK website: idebku.ojk.go.id. Checking your score before applying for a loan is highly recommended.

Cleaning Up a Poor Credit Record

The primary method for improving a bad credit record is to settle any outstanding debts. If you believe there are errors in your SLIK data, contact the relevant financial institution or report the issue to OJK.

Updating SLIK Data

OJK states that SLIK data is typically updated within a maximum of 30 days after a payment is made. Obtaining a payment certificate (SKL) can serve as proof of payment when applying for new credit.

The Role of SLIK in Risk Mitigation

While there have been discussions about potentially removing the SLIK system, financial institutions view it as a crucial tool for mitigating risk. Bank Tabungan Negara (BTN) and Bank Negara Indonesia (BNI) have indicated they would follow OJK’s guidance, but acknowledge the increased risk associated with lending without access to SLIK data. BTN noted that existing customer relationships with a strong banking history can somewhat offset the risk of lending without a SLIK check.

OJK’s Stance on SLIK

The OJK has consistently maintained that SLIK is not intended to be a barrier to credit access, but rather a tool to support prudent lending practices. The OJK emphasizes that credit decisions should consider factors beyond the SLIK score, such as character, capacity, and business prospects.