Everyday money
Check your Indonesian OJK iDeb SLIK credit record free
Request your own OJK iDebKu credit information without a fee, review reported facilities and correct inaccurate records through the reporter.
English edition. Official forms and source documents may be in Indonesian.
A person can request their own debtor information through OJK iDebKu without a fee. Provide the required identity and email, complete verification and inspect the result. If a facility or status is wrong, contact the institution that reported it and keep evidence. iDeb is not one score that automatically approves or rejects a loan.
See 3 official references ↓Open the official service ↗idebku.ojk.go.id
Guide contents
What to prepare
- KTP-el for an Indonesian citizen or the identity document required for another applicant type.
- A secure email address for receiving the result.
Steps you can follow
Use official iDebKu
Open idebku.ojk.go.id and choose registration; avoid paid agents requesting ID photos through chat.
Complete identity checks
Select debtor type and enter matching identity and contact details, then follow verification instructions.
Review the report
Compare lenders, facilities and statuses with your own records and keep the file private.
Seek a correction
Contact the reporting institution, request correction and keep the complaint reference; use OJK channels if needed.
Costs and timing
OJK says public iDebKu information requests are free. Be cautious of sites selling “BI checking” or asking for your NIK and selfie.
Check current requirements, availability and charges through the official reference ↗ before applying or paying.
What SLIK shows
SLIK carries debtor information used in lending risk assessment. iDeb gives a debtor access to their own information. A lender also reviews income, other debt, collateral and its policies, so a report is not an approval decision.
People still say “BI checking”, but OJK’s iDebKu is the official current request route.
Correction and privacy
If a facility is unfamiliar, ask the listed reporter where it came from and how to correct it. Do not post an iDeb file containing personal information publicly.
For a broader financial-service dispute, follow the provider and OJK complaint route. If money was stolen in a scam, contact the bank and anti-scam channels promptly.
Things to check carefully
- Do not share iDeb, ID or OTP with anyone promising to “clean” a SLIK record.
- The reporting institution must correct its data; downloading the report again does not change it.
Frequently asked questions
Is iDebKu free?
Yes. OJK states that debtor-information requests for the public have no fee.
Does a SLIK entry mean a loan must be refused?
No. Lenders assess several factors under their own policies.
Sources and review
Editorial review of public information: . This is not a review by an agency officer or a professional adviser. Official document titles are retained below.
- OJK: layanan SLIK dan iDebKu ↗ojk.go.id · Accessed 23 September 2026
- OJK: panduan iDebKu ↗idebku.ojk.go.id · Accessed 23 September 2026
- OJK: layanan iDebKu gratis ↗ojk.go.id · Accessed 23 September 2026
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