SkorLife protects.

Monitor and take control of your financial reputation.

Monitored by
icon kominfo fintech
Certified by
icon iso certified
Monitored by
icon kominfo fintech
Certified by
icon iso certified
SkorLife has graduated from the Regulatory Sandbox from the Financial Services Authority (Otoritas Jasa Keuangan - OJK) based on letter No. S-218/IK.01/2024 with the status of being recommended without the obligation to register or obtain a business license from OJK.
SkorLife has graduated from the Regulatory Sandbox from the Financial Services Authority (Otoritas Jasa Keuangan - OJK) based on letter No. S-218/IK.01/2024 with the status of being recommended without the obligation to register or obtain a business license from OJK.
smartphone skorlife screenshot kol dan skor kredit

FINANCIAL PLANNER APP

SkorLife builds your financial reputation.

Gain insights to easily and safely improve your collectibility status and credit profile in the eyes of banks.

Download SkorLife App

1.5M
Downloads
4.7/5
in Google Play Store

COMPLETE FEATURES READY TO HELP YOU

pahami riwayat kredit

Understand credit history

Check the collectibility status and track record of your loan.
lihat peluang pengajuan kreditmu disetujui

Get closer to your loan

Be more confident when you apply for mortgage, vehicle, and other loans.
deteksi penyalahgunaan identitasmu

Detect fraud on your identity

Know if there is a loan application in your name made by a fraudulent party.
rekomendasi pembayaran tunggakan & budget

Recommendations for payment of arrears & Budget

Pay off arrears effectively and manage your finances with SkorLife.

COMPLETE FEATURES READY TO HELP YOU

Pahami riwayat kredit
Lihat peluang pengajuan kreditmu disetujui
Deteksi penyalahgunaan identitasmu
Financial management
Credit History

Understand credit history

Check the collectibility status and track record of your loan.
Protect your financial data
in 3 easy steps!
Download aplikasi SkorLife
1
Download the SkorLife app and
create your account
No hassle. No paperwork. Takes ~5 minutes
and completely in app.
Verifikasi KTP
2
Verify your KTP to Dukcapil
for your data protection
Your data is verified by our credit bureau
securely and will always be safe.
Lihat skor kreditmu
3
View KOL status and manage your
finances after verification
Check credit data every 30 days & record
your expenses in SkorLife app.
Protect your
financial data
in 3 easy steps!
1
Download the SkorLife app and create your account
No hassle. No paperwork. Takes ~5 minutes and completely in app.
2
Verify your KTP to Dukcapil for your data protection
Your data is verified by our credit bureau securely and will always be safe.
3
View KOL status and manage your finances after verification
Check credit data every 30 days & record your expenses in SkorLife app.
Be part of those who already protect their financial reputation with SkorLife
Be part of those who already
protect their financial reputation with SkorLife
100,000+ users already protect
their financial reputation
100,000+ users already protect their financial reputation
In the past, I used to make guesses about my collectibility status and credit score whenever I applied for a loan. I also lacked visibility into whether my application would be approved or not. However since using SkorLife, I'm now able to improve my credit profile, significantly increasing the likelihood of credit approvals.
Irene
Credit score & KOL status
reviewer irene
I discovered SkorLife from a friend. The registration process is effortless, as all my loan accounts were promptly displayed upon sign-up. It was swift and secure, with only KTP & selfie verification, similar to other fintech applications. There is also an identity monitoring feature to detect any misuse of our data.
Nathan
Secure data verification
reviewer nathan
Being rejected when applying for a loan at the bank is irritating. All of my plans got messed up because the credit application was rejected. Now SkorLife enables me to identify any areas that need improvement before applying for a loan. When my KOL status and credit score are okay, I can proceed with my loan application.
Putri
Loan approval chances
reviewer putri
FAQ
Questions and answers about SkorLife

Credit score is a three-digit number that represents your financial reputation based on the quality of your credit/loans. This number allows banks or lenders to evaluate whether or not you are eligible to receive credit.


If your credit score is good, lenders consider that you have managed loans responsibly in the past and have paid all bills correctly and regularly. This makes lenders feel comfortable approving your loan applications in the future.


The credit score ranges are as follows:


  • Excellent: 597 - 659
  • Good: 562 - 596
  • Fair: 520 - 561
  • Poor: 320 - 519
  • Bad: 150 - 319

To improve your credit score, there are several main ways you can do:


  • Always pay bills on time.
  • If you have a credit card, try to keep the usage below 30% of the limit.
  • Have a good mix of credit types, including both unsecured and secured credit.
  • Settle all the delinquent credits you have.

Skorlife partners with CLIK, a Credit Bureau Institution (LPIP) licensed by the Financial Services Authority (OJK). You can obtain a credit report from CLIK and then send it to the Skorlife application.


To obtain a credit report from CLIK, as part of the verification process, your data will be cross-referenced with the data in CLIK and the Civil Registration (Dukcapil) database. Skorlife ensures the confidentiality of your data, and only you can access your own credit report.

SLIK (Sistem Layanan Informasi Keuangan) is a credit quality standard created by Bank Indonesia to indicate your current collectability status (whether you have delinquent loans or not).


This collectability status allows you to know your current credit situation. There are 5 categories of SLIK collectability status, which are as follows:


CollectabilityWhat it means for customers?
Score (KOL) 1Current Credit, which means the customer has no outstanding loan installments.
Score (KOL) 2Special Attention Credit, which means the debtor has overdue loan installments for 1-90 days.
Score (KOL) 3Substandard Credit, which means the customer has overdue loan installments for 91-120 days.
Score (KOL) 4Doubtful Credit, which means the customer has overdue loan installments for 121-180 days.
Score (KOL) 5Bad Credit, which means the customer has overdue loan installments for more than 180 days.

A good credit score will open opportunities for you to access products such as Home Loans (KPR) and Motor Vehicle Loans (KKB), or get lower interest rates.


Credit scores enable banks and other financial institutions to determine whether you can be trusted to be given a loan or not. Therefore, having a credit score and maintaining a good score is crucial.

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