Frequently Asked Question

You can submit it through the SKORKU mobile application via the "Dispute Management" feature.

In accordance with POJK No. 42/POJK.03/2019 every Indonesian citizen is entitled to 1 credit report for free per year.

You will receive your credit report once the identity verification process is complete.

Online Consumer Services can be obtained through the SKORKU mobile application.

To get a credit report, consumers must be registered on the SKORKU mobile application and have passed the verification process for the applicant's personal data (KTP, self-portrait, etc.). The services provided can be free or paid depending on the package chosen by consumers.

A credit report is a report that contains a consolidated history of your credit payment performance from all credit facility providers. Credit reports will be used by lenders to check your creditworthiness before granting credit.

The source of SKORKU credit information comes fromSistem Layanan Informasi Keuangan (SLIK) which is managed by the Otoritas Jasa Keuangan (OJK). Gradually, SKORKU will work closely with third party data providers, lenders and other government institutions to obtain credit-related information in order to produce a more comprehensive credit report.

Regular review of credit reports will allow you to monitor any information entered into your credit profile and will also assist in protecting your personal data against possible credit fraud.

Only financial institutions that are members of CBI that have consumer approval can obtain credit reports. Individuals can get a credit report for themselves or be represented by another party with a power of attorney.

No. SKORKU does not provide recommendations or opinions on whether a loan can be granted or rejected. SKORKU will only provide credit information in the form of a credit report. The decision to grant or reject a loan application is entirely up to the lender.