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Rapor Kredit
Questions About the Accuracy of Rapor Kredit Data
Why do I see a loan facility that I do not recognize or have never used?
Some loans may be recorded under the name of another financial institution that works with your lender through a credit channeling arrangement. If you do not recognize the facility, please contact the financial institution listed in the report.
I have fully repaid a loan. Why does it still appear in Rapor Kredit?
Rapor Kredit reflects the information available in SLIK OJK at the time the report is generated. If a loan was recently repaid, the status may not yet be updated because SLIK data is refreshed periodically.
I was surprised to see a PayLater bill from a platform I’ve never used. Why does it appear in Rapor Kredit?
Rapor Kredit displays information recorded in SLIK OJK. If you see a facility that you do not recognize, it may be part of a credit channeling arrangement with another financial institution, meaning the institution name shown may differ from the application or platform you used.
If you still do not recognize the facility, we recommend contacting the financial institution listed in the report for verification and further information.
I’ve paid my car loan on time for three years, but why it doesn’t appear in Rapor Kredit?
Rapor Kredit displays information based on the data available in SLIK OJK when the report is generated. If a loan facility does not appear, the information may not yet be available or updated in SLIK.
If you believe a loan is missing, please contact the relevant financial institution to confirm that the loan has been reported to SLIK.
I paid off my installment last month, but why Rapor Kredit still shows it as overdue?
Data in Rapor Kredit comes from SLIK OJK with a status according to the data date (listed on the Rapor Kredit). If you have recently paid or settled a loan, the status change may not be immediately visible. If it is still incorrect, please contact the related financial institution for further assistance.
My credit card was closed a long time ago, but why it still appears as active?
Rapor Kredit displays information based on the data available in SLIK OJK when the report is generated. If a credit card that has already been closed still appears as active, the latest status may not yet have been updated in SLIK by the issuing financial institution.
We recommend contacting the card issuer to confirm that the closure has been reported and updated in SLIK.
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