Have you ever applied for a loan but got rejected even though you felt you had no financial problems? It could be that your name is still listed as problematic in SLIK OJK.
A poor credit history often makes it difficult for people to access financing services, even after the debt has been fully paid off.
Therefore, understanding how to clear your name from SLIK OJK is an important step to restore your credit record and increase your chances of loan approval.
This article will guide you through the complete and practical steps to help you regain your financial reputation.
The Importance of Clearing Your Name from SLIK OJK
Before it was known as SLIK OJK, this credit history checking system was called BI Checking. Now, the entire credit reporting process has transitioned to SLIK (Financial Information Service System), which is directly managed by the Financial Services Authority (OJK).
Although the name has changed, the purpose remains the same — to record all credit activities of borrowers in Indonesia and serve as a reference for financial institutions in assessing creditworthiness.
Your SLIK OJK report includes detailed information such as payment history, outstanding debt amounts, and any record of late payments.
This data is reviewed by financial institutions before approving credit applications, credit cards, or financing such as mortgages and business loans. The worse your credit history, the lower your chance of getting approved.
Before learning how to clear your name from SLIK OJK, it’s important to understand that there are five levels of credit collectibility in the SLIK system:
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Score 1 (Current Credit): Payments are always made on time with no arrears.
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Score 2 (Special Mention): Late payments between 1–90 days.
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Score 3 (Substandard Credit): Late payments between 91–120 days.
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Score 4 (Doubtful Credit): Late payments between 121–180 days.
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Score 5 (Bad Credit): Late payments over 180 days and considered high risk.
Based on this scoring, lenders usually reject applications from borrowers with scores between 3 and 5 due to a high risk of default.
This is why clearing your name in SLIK OJK is crucial. A clean credit record boosts your financial reputation, increases your chances of loan approval, and helps maintain healthy finances free from past credit issues.
How to Clear Your Name from SLIK OJK
Many people look for ways to remove themselves from the OJK “blacklist” after experiencing late payments. The smartest way to repair your record in SLIK is by settling any remaining obligations.
You can check your credit history regularly through the iDebku website. Monitoring your SLIK record helps prevent delayed payments that can further harm your credit score.
After checking your credit data, follow these steps to clear your name in SLIK OJK:
1. Settle All Outstanding Loans or Debts
Start by paying off all active loans. Your credit history won’t improve as long as there are unpaid debts.
After completing the payment, request a Certificate of Settlement (SKL) or proof of payment from the bank or financing institution as supporting documentation. This document is crucial during the verification and credit score update process.
2. File a Complaint If Your Status Hasn’t Been Updated
Repayment doesn’t automatically mean your status will be updated immediately. It usually takes some time for the new data to appear in the SLIK system.
If your credit record still shows delinquent or default status after some time, contact your lender and request a data update.
Provide your SKL and ask them to send the latest report to SLIK OJK so that your status can be recorded as current credit.
3. Contact OJK
If your lender has already processed your update but the status remains unchanged, the next step is to contact OJK directly.
Prepare your repayment documents and confirmation letters from the lender as proof. OJK will verify the information and coordinate with the financial institution to ensure your data is updated accordingly.
Once updated, monitor your record regularly through SLIK OJK to confirm your name has been cleared and is ready for future credit applications.
How Long Does It Take for SLIK OJK to Clear After Repayment?
After successfully applying the steps above and having your debt marked as paid off, many people expect their name to be cleared immediately. However, the process is not automatic.
Typically, data updates take up to 30 working days after the lender reports the repayment to SLIK OJK.
In practice, records of past credit issues may still appear in your history for up to 24 months, even after your status has been updated to “current.” The duration depends on several factors:
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Speed of Reporting by Lenders: The faster your lender submits the repayment report, the quicker your credit status will update in SLIK.
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SLIK OJK System Processing Time: Each update requires system processing before new information appears in the report.
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Verification Process at OJK: Any data discrepancies or incomplete documentation may delay the update.
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Coordination Between Parties: The process is faster if you actively follow up with both your lender and OJK to ensure proper reporting.
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Completeness of Repayment Documents: Clear and valid documents help expedite verification and prevent administrative delays.
Although it may take time, once your status is listed as “current credit,” your chances of obtaining new financing remain open. Borrowers are encouraged to regularly monitor their SLIK reports to ensure the credit history reflects the latest and accurate information.
Clearing your OJK “blacklist” takes effort, but it’s a crucial step to rebuild your financial reputation and open future credit opportunities.
By paying off debts, ensuring data updates, and consistently monitoring your credit status, your name as a borrower can become clean again — making it easier to apply for any type of financing in the future.
If you plan to apply for financing again after clearing your SLIK record, make sure to choose institutions that are officially licensed and supervised by OJK.
Through trusted financing services like BFI Finance, which is officially licensed by OJK, you can safely apply for secured loans using Motorcycle BPKB, Car BPKB, or Property Certificates transparently and securely.
Manage your credit wisely, maintain a positive SLIK score, and achieve easier access to financial opportunities because #SelaluAdaJalan with BFI Finance.
