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The Pefindo Scale (250–900)
Pefindo (PT Pemeringkat Efek Indonesia) is Indonesia's oldest credit rating bureau. Banks use the Pefindo score for deeper credit-worthiness assessment beyond the OJK collectibility check.
250–500
Very Poor501–580
Poor581–669
Fair670–739
Good740–799
Very Good800–900
ExceptionalA Pefindo score above 700 is generally enough to unlock competitive KPR and KTA interest rates. Below 580, expect most bank applications to be declined.
The OJK SLIK Collectibility Scale (1–5)
The Collectibility Score is the mandatory OJK checkpoint. Every credit application at a bank, multifinance company, cooperative or licensed P2P lender is checked against your SLIK record.
| Level | Status | Days overdue |
|---|---|---|
| 1 | Current | On time |
| 2 | Special Mention | 1–90 days |
| 3 | Substandard | 91–120 days |
| 4 | Doubtful | 121–180 days |
| 5 | Loss | >180 days |
Read more on the Collectibility Score page — often referred to as "BI Checking" in everyday language.
6 Ways to Improve Your Credit Score
Pay on timeThe single biggest factor. One missed payment can drop you from Kol 1 to Kol 2 overnight.
Settle overdue debtGet settlement letters from lenders and confirm the update lands in SLIK 30–60 days later.
Keep utilisation below 30%Using less than 30% of your credit-card and paylater limits signals healthy discipline.
Don't open multiple credit lines at onceSeveral applications in a short window looks like distress to the models.
Monitor regularly via SkorlifeTrack changes in real-time and get alerts if new data appears on your file.
Be patient and consistentKol 2 recovers in a few months. Kol 5 needs the full 5-year window from full repayment.
Check Your Credit Score via Skorlife
- Download SkorlifeFree on Google Play & App Store.
- Verify your identityInstant eKYC with ID and selfie — under 2 minutes.
- See your score and historyCollectibility Score plus full loan history appear on the dashboard.
- Get monthly updatesSkorlife notifies you the moment SLIK data changes.
