BI Checking: Understanding Your Credit Report and How to Check It




When applying for a loan—whether it's a mortgage, personal loan, or credit card—one of the key factors that lenders evaluate is your BI Checking. This process plays a vital role in determining whether you're eligible for financing from financial institutions. Let’s dive into what BI Checking is, why it matters, and how you can check your credit history.

What Is BI Checking?

BI Checking refers to a credit information record previously managed by Bank Indonesia (BI) through the Debtor Information System (SID). Today, this service is overseen by the Financial Services Authority (OJK) and is known as the Financial Information Service System (SLIK).

BI Checking tracks your entire credit history, including payment statuses, outstanding debts, and overall credit performance. Banks and financial institutions use this information to assess your creditworthiness. The data includes:

  • Personal identification details
  • Collateral provided
  • Payment history
  • Status of outstanding or defaulted loans

The better your credit history, the higher your chances of securing loan approval.

Why Is BI Checking Important?

BI Checking has a significant impact on whether or not your loan gets approved. Lenders will evaluate your credit score before granting a loan. Here’s how the scores are categorized:

  • Score 1 (Current Credit): All installments are paid on time.
  • Score 2 (Special Mention): Late payments for 1–90 days.
  • Score 3 (Substandard): Late payments for 91–120 days.
  • Score 4 (Doubtful): Late payments for 121–180 days.
  • Score 5 (Non-Performing): Late payments exceeding 180 days.

Typically, loan applications are rejected if a borrower has a score of 3 or higher due to the increased risk of default.

How to Check Your BI Checking Record

Nowadays, you can check your BI Checking record both online and offline. Here’s how:

1. How to Check BI Checking Online

You can use the online service provided by OJK through the website idebku.ojk.go.id. Here’s the step-by-step process:

  1. Prepare the Required Documents: Your e-KTP for Indonesian citizens or passport for foreign nationals.
  2. Visit OJK’s Official Website: Go to idebku.ojk.go.id.
  3. Fill Out the Form: Complete the form with your personal details and upload the required documents.
  4. Verify Your Data: You’ll receive an email confirmation with a verification schedule.
  5. Verification Process: A video call may be required for identity verification.
  6. Receive Your Report: Your BI Checking report will be sent to your registered email.

2. How to Check BI Checking Offline

For those who prefer offline verification, visit the nearest OJK office with your identification documents. Here’s what to do:

  1. Go to the nearest OJK office with your original ID.
  2. Fill out the iDeb request form.
  3. Submit your documents for verification.
  4. Wait for the verification process to be completed.
  5. Receive your BI Checking report on-site.

How to Fix a Poor Credit Score

If your credit score is poor, here are some steps you can take to improve it:

  1. Pay Off Outstanding Debts: Settle any overdue payments immediately.
  2. Monitor Your Score Regularly: Check your credit score periodically after clearing debts.
  3. Submit Clarification: If your score doesn’t update, submit a clarification request to the relevant bank and confirm with OJK.

Tips to Maintain a Good Credit Score

To ensure your credit score remains healthy, follow these tips:

  • Always make payments on time.
  • Avoid reckless use of credit cards or loans.
  • Track your credit usage to avoid overspending.

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