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The 5 Collectibility Levels Explained
OJK classifies every credit facility into one of five collectibility levels based on how many days you are behind on payments. Analysts at banks, multifinance companies and P2P lenders look at this number before every decision.
| Level | Status | What it means |
|---|---|---|
| 1 | Current (green) | Never missed a payment. Best status for any credit application. |
| 2 | Special Mention (yellow) | 1–90 days overdue. Credit still possible but may get higher interest. |
| 3 | Substandard (orange) | 91–120 days overdue. KPR/KTA applications likely rejected. |
| 4 | Doubtful (red) | 121–180 days overdue. Almost certainly rejected by all licensed institutions. |
| 5 | Loss (dark red) | >180 days overdue. Needs full repayment + 5-year wait for full recovery. |
For most bank products, even Level 2 is enough to be declined. Mortgages typically require every facility on SLIK to sit at Level 1 for the past 6–12 months.
How to Check Your Collectibility Score via Skorlife
Skorlife pulls your data directly from SLIK OJK. Results are instant once your ID is verified — no waiting days for an email.
- Download SkorlifeAvailable on Google Play & App Store, free.
- Register & verify identityeKYC takes ~2 min with ID and selfie.
- View your credit dashboardCollectibility Score and loan history appear immediately.
- Monitor regularlyAutomatic notifications if your credit data changes.
What Affects Your Collectibility Score
- Payment timeliness — every day past the due date pushes you closer to the next level.
- Number of active facilities — mortgages, KTAs, credit cards, car loans, paylater instalments all count.
- Facility type — a late credit card is treated the same as a late KPR at OJK level.
- Historical pattern — a single 60-day slip in the last 12 months still shows on your report.
- Ongoing disputes — until resolved, disputed data still counts against you.
