---
title: "Check your Indonesian OJK iDeb SLIK credit record free"
canonical: https://panduanwarga.org/en/guides/check-ojk-ideb-credit-record/
language: en
category: "Everyday money"
reviewed: 2026-10-01
modified: 2026-10-01
publisher: "Panduan Warga (independent; not a government website)"
reviewed-by: "Kaiser Khan (https://panduanwarga.org/en/about/kaiser-khan/)"
---

# Check your Indonesian OJK iDeb SLIK credit record free

**How do I check my OJK iDeb SLIK credit record for free?**

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.

## What you need to check your iDeb SLIK credit record

- KTP-el for an Indonesian citizen or the identity document required for another applicant type.
- A secure email address for receiving the result.

## How to check your iDeb SLIK credit record

1. **Use official iDebKu.** Open idebku.ojk.go.id and choose registration; avoid paid agents requesting ID photos through chat.
2. **Complete identity checks.** Select debtor type and enter matching identity and contact details, then follow verification instructions.
3. **Review the report.** Compare lenders, facilities and statuses with your own records and keep the file private.
4. **Seek a correction.** Contact the reporting institution, request correction and keep the complaint reference; use OJK channels if needed.

## How much it costs to check your iDeb SLIK credit record

OJK says public iDebKu information requests are free. Be cautious of sites selling “BI checking” or asking for your NIK and selfie.

## 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.

### What changed in OJK’s SLIK from 1 July 2026?

OJK now requires banks and finance companies to update a loan’s status within 3 working days of repayment, and debtor information is only shown for amounts above Rp1 million. If a repaid loan still shows after that, ask the reporting lender to correct it and keep your proof of repayment.

## Official sources

1. [OJK: layanan SLIK dan iDebKu](https://ojk.go.id/id/kanal/perbankan/Pages/Sistem-Layanan-Informasi-Keuangan-SLIK.aspx) (accessed 2026-09-23)
2. [OJK: panduan iDebKu](https://idebku.ojk.go.id/Public/Informasi/Detail/41) (accessed 2026-09-23)
3. [OJK: layanan iDebKu gratis](https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/OJK-Luncurkan-Aplikasi-Idebku-Sebagai-Sarana-Penyediaan-Layanan-Informasi-Debitur-Bagi-Masyarakat.aspx) (accessed 2026-09-23)
4. [OJK: optimalisasi SLIK berlaku 1 Juli 2026 (siaran pers)](https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/OJK-Luncurkan-Optimalisasi-SLIK-Perkuat-Akses-Pembiayaan-UMKM-dan-Program-3-Juta-Rumah.aspx) (accessed 2026-10-01)

## Related guides

- [Apply for bank loans and credit cards in Indonesia](https://panduanwarga.org/en/guides/bank-loans-and-credit-cards/)
- [Personal data leaked or misused in Indonesia: what to do if someone uses your NIK or KTP photo](https://panduanwarga.org/en/guides/personal-data-leak/)
- [Apply for an Indonesian subsidised FLPP home loan with Tapera Mobile](https://panduanwarga.org/en/guides/subsidised-home-loan-flpp-tapera/)

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Source: Panduan Warga, https://panduanwarga.org/en/guides/check-ojk-ideb-credit-record/ (reviewed 2026-10-01). General information, not legal or financial advice; current agency rules take precedence.