How Long Has Blacklist Bank Lost? It Turns Out That You Can Do Whitening

Illustration of bank blacklist (Unsplash/Jo Szczepanska)

YOGYAKARTA - The money loan service provided by the bank has helped the economy of the people in need. However, not everyone can apply for a loan because there are conditions. One of them, the bank will reject applications from individuals on the bank blacklist list.

If you are included in the bank blacklist or BI Checking, then your submission will definitely be rejected by the bank. Many people don't even realize that they are included in the bank blacklist. There are several reasons that make someone registered with BI Checking. A person with that status will find it difficult to get services from banks, even in other aspects of life.

BI Checking or blacklist banks in a system similar to the Police Record Certificate (SKCK). However, BI Checking is used to record a history of financial and banking activities. BI Checking is very important in a person's life because it involves financial and banking matters.

BI Checking is a record of information history of Individual Debtors (IDI) in financial or banking activities. The recorded history, namely debtor identity, financing received, guarantor, collateral, credit ceiling, financing received, smooth credit payments, and details of loan fines.

BI Checking is an important identity for debtors because it is the main requirement for credit or loan applications. If the debtor is registered in the bank blacklist, the automatic appointment is rejected. In its rough language, the bank blacklist is the debtor's track record in using financial services. The BI Checking recording method is done with a system that can be accessed by other banking and financial institutions for 24 hours.

There are several reasons why someone is included in the bank blacklist. In fact, there are still many people who do not know this system and rules. The person only found out when his loan application was rejected by the bank because of BI Checking.

BI Checking records every history of your financial activities. This history is used as an assessment of the bank for the decision to provide its services. Here are some causes of bank blacklist registered debtors that you need to avoid.

The above financial problems will be indicators of the bank's level of trust in you. So that's the reason why the debtor who entered the bank blacklist will be rejected for submission.

The bank has assessed the violation committed by the debtor using a score scale that has been set by SLIK OJK. The credit score that the bank considers for the debtor is divided into five.

The higher your credit score, the score 1-2, then your loan application is easier to accept. Credit applications are difficult to approve if the debtor has a score of 3-5. The reason for the implementation of this system is very rational because the bank learns or sees from experience. They don't want to risk financial problems that can occur.

The bank's blacklist status lasts a long time, which is 24 to 60 months from the time it is registered. To restore its status, the debtor has to wait 5 months or almost half a year since it is blacklisted by the bank.

In addition, bad scores in BI Checking can also be cleaned through bleaching. There are several ways to do BI Testing bleaching.

The step that must be taken by the debtor to remove the bank's blacklist status is to pay off the debt or arrears. If the debtor does not immediately pay off the debt, then the application will be submitted to any bank.

If anyone has paid off their debt or installments, then please monitor BI Checking. Let's see if your score has changed or not. If the score is still bad, you can file a complaint to the bank.

The next step is to bring a letter of clarification and explanation from the bank where the loan is submitted. Then confirm to the OJK that you have fulfilled your credit obligations.

That's an explanation of how long the bank's blaclist has been missing. Instead of waiting for the blacklist status to disappear or bleach, it's better to maintain financial behavior so that it always runs smoothly.

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