About BI Checking

BI Checking is information that records a person's credit payment process. However, since January 1, 2018, BI Checking has changed its name to SLIK or the Financial Information Service System managed by the OJK. BI checking / SLIK can be seen by all financial institutions to find out customer honesty.

SLIK will provide information regarding the status of credit guarantees, whether ongoing or unpaid. Based on the information obtained from the data, a financial institution can make a decision whether a prospective customer deserves a loan or not.

Then what if you are registered on the blacklist data because you have a history of substandard credit payments? What steps should be taken to clear the history? The following will describe how to clear a name from a bad credit history, let's listen to it!

How to clean bad credit history

1. Pay Off Debts in Arrears

Pay off the debt as soon as possible after you get the details from SLIK. However, you have to be patient, because processing this data update can take quite a long time. About 2 months after you pay off all your arrears.

2. Report to Related Financial Institutions

The next step is to provide evidence of the report to the relevant financial institution. This step needs to be done if the iDeb status has not changed even though you have paid off the arrears.

The trick is to bring proof of debt repayment to the nearest OJK in your city. So that the OJK is doing the deletion of bad credit history and you can re-apply for a loan at the bank.

If you have paid off all outstanding debts, then immediately contact us via Contact Us to request a full (smooth) certificate and don't forget to include supporting documents:

• The email you used for your TPayLater account
• Proof of SLIK that you received from the banking sector and OJK"