YOGYAKARTA - Not a few customers are wondering about "How long will BI Checking be clean after paying off the debt?".
This kind of question becomes reasonable, considering that BI Checking or what is now known as the Financial Information Service System (SLIK) is an important note related to a person's credit history.
A clean BI Checking score is certainly everyone's dream, especially if they plan to apply for a loan in the future.
However, please note that BI Checking cleaning does not happen instantly after repayment of debt. There are several stages and periods of time that need to be understood so that you are no longer curious and can plan your finances better.
Reporting from Antaranews, although there is no definite single answer, based on information from official sources, the credit data updating process generally takes up to 30 working days. Here are some procedures:
After the debtor pays off all loans and interest, the financial institution or bank will issue a bill deletion certificate. This letter is official evidence that the payment obligation has been completed.
The Certificate of Settlement (SKL) is an important document that shows that the debtor has paid off all of his debts.
These SKLs can be submitted to related banks or financial institutions and also serve as valid evidence if needed for other administrative purposes.
Also read articles discussing How to View BI Checking Credit Scores Online, Ensure Good Loan History!
Even though they have a SKL, debtors still need to check BI Checking or what is now known as the Financial Information Service System (SLIK) OJK.
The purpose of checking BI checking is to ensure that credit data has been updated correctly.
Debitor credit information, including payment history and loan status, will be used by all financial institutions and banks registered with the Credit Information Bureau (BIK).
The purpose of the debtor's credit information is to evaluate the quality of creditors. Thus, debtor data can be accessed by all loan service providers registered with BIK. This shows how important it is to maintain good credit records.
In addition, debtors also have a responsibility to ensure that the information in the system has been adjusted once they complete credit payments.
This condition will provide a big advantage for debtors if their credit records are good, because it will facilitate the process of applying for credit and other financial needs in the future.
Therefore, debtors need to be proactive in ensuring that their data has been updated in accordance with the repayment of debts that have been made, as required by financial institutions registered and supervised by the OJK.
If you have taken the steps above, usually after paying off the loan, usually the credit record will be back clean within 30 working days.
The question is, however, what if it turns out that the credit record has not shown a positive change after going through that period? Don't worry, there are several steps you can take.
The first suggestion is to contact the bank or financial institution where you apply for a loan. Then ask if the report related to your debt repayment has been properly processed.
One of the reasons credit has not recovered, sometimes, there are technical or miscommunication problems that cause delays in data updates.
However, if after contacting a bank or financial institution the problem is still unresolved, you can contact the Financial Services Authority (OJK).
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OJK has the authority to assist customers in solving problems related to financial services, including credit records. You can submit a complaint or ask for further assistance to the OJK.
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