How to Check Debt Using Your ID Card Online, Check Here!
Checking Debt Using Your ID Card Online, Check Here!
In this increasingly digital era, the number of sudden victims of online loan debts (P2P lending) is on the rise. Many wonder why this happens, especially when they haven't applied for any loans. It turns out that there are irresponsible individuals who engage in selling personal data, including electronic ID (e-ID) cards. This personal data is then misused as supplementary information to apply for online loans or credit cards. Therefore, it's crucial to know how to check debt using your ID card online.
Checking debt using your ID card online is relatively simple. One way to do this is by checking through the debtor information service on the Financial Information Services System (SLIK) issued by the Financial Services Authority (OJK). Even if you haven't opened a credit card or taken out a loan, users can access the OJK consumer website. From there, you can detect whether someone has used your data as a debtor. Therefore, it's highly recommended to regularly check debtor information on SLIK.
Steps for Checking BI Checking Online via SLIK
The first step in checking debt using your ID card online is to prepare the supporting documents for online BI checking.
For individual debtors:
Photocopy of identity card and original ID for Indonesian citizens (WNI). For foreigners, a photocopy of the passport without the original is sufficient.
Photocopy of the accompanying identity card with the original power of attorney (if delegated to another party).
For business entity debtors:
Taxpayer Identification Number (NPWP).
Deed of Establishment.
Amendment to the articles of association containing the composition and authority of the management, and original identities of the management and business entity (or legalized photocopies).
Original power of attorney, photocopy and original identity of the business entity, photocopy and original identity of the power of attorney (if delegated).
Then, the next step in checking debt using your ID card online is to fill out the Online BI Checking Queue Form. Please open the queue link at consumer.ojk.go.id/MinisiteDPLK/Registration. Fill in the IDEB application form and select Queue.
The online queue service provided by the OJK is divided into several sessions, as follows:
- 08:00 - 09:00
- 09:00 - 10:00
- 10:00 - 11:00
- 11:00 - 12:00
- 13:00 - 14:00
- 14:00 - 15:00\
SLIK debtor information is only available from Monday to Friday WIB.
Data Verification
The next step is data verification. You will be asked for the OJK-SLIK Whatsapp number written in the email to complete the data verification stage. To complete the verification process, pay close attention to the contents of the email to avoid mistakes. After that, please check the incoming email in your account after completing all the above steps. OJK SLIK will provide detailed SLIK Debtor details to the email address. If you have difficulty reading the contents of the debtor, OJK has also provided a guide on how to do it through its official website.
Advantages of SLIK in Checking Debt or Loan History
Everyone's debt records can be checked through the Financial Information Services System (SLIK) issued by the Financial Services Authority (OJK). SLIK is expected to facilitate the credit application process, thus reducing the number of problematic and defaulted credits. Moreover, the SLIK system also has several other advantages, such as the following:
Checking debt using your ID card online via SLIK is easier to perform because it can be done online through the website or application.
The information stored in the SLIK system is more extensive and accurate. Details include financial institutions, banks, non-banks, and courts.
SLIK will make it easier for MSMEs to receive loans by checking credit history more easily.
The data stored in SLIK is more detailed, including electricity and water bills.
Tips to Avoid Misuse of Online ID Card
One way to check debt using your ID card online is to regularly check debtor information on SLIK. Even if you've never applied for a credit card or loan, you can access the website. Through the site, it can be detected whether someone has used your personal data as a debtor or not.
Below are some tips that can be practiced to avoid the misuse of online IDs for online loans:
Don't click on links in emails indiscriminately. If there are suspicious links sent via email, it's highly recommended not to open them indiscriminately to avoid phishing or online fraud.
Furthermore, if there are suspicious websites requesting personal data information, it's highly recommended not to provide it for free.
That's the information about checking debt using your ID card online that needs to be understood. The existence of the Financial Information Services System (SLIK) issued by the Financial Services Authority (OJK) is indeed very useful, both for users as debtors and for lenders or creditors. In the fund disbursement process, creditors will certainly conduct verification and credit scoring before disbursing loans to minimize defaults. Some fintech lenders use Brick to connect with user data more easily. ***"
