Indonesia currently implements a dual credit reporting system; which comprises both a Public Credit Registry (PCR) and Private Credit Bureaus (PCB). The PCR is managed by the Financial Services Authority (Otoritas Jasa Keuangan ¨C OJK) through the Financial Information Services System (Sistem Layanan Informasi Keuangan ¨C SLIK). SLIK functions as a central repository that supports OJK¡¯s regulatory and supervisory responsibilities; while also serving as a public information source for credit data. In parallel; the PCB segment is represented by the Credit Information Management Agency (Lembaga Pengelola Informasi Perkreditan ¨C LPIP). LPIP aggregates credit data from SLIK and other external sources to produce value-added services such as credit scoring; credit profiling; and related analytics. Beyond this; there is a growing use of Innovative Credit Scoring (ICS) methodologies that leverage alternative data sources; such as telecommunications usage; to generate creditworthiness assessments independently of SLIK data.To further support supervisory functions; OJK also operates Pusdafil; an information system specifically designed to collect financing data from Information Technology-Based Joint Financing Service providers (Layanan Pendanaan Bersama Berbasis Teknologi Informasi ¨C LPBBTI). In addition to systems managed by OJK; several other databases relevant to credit reporting are administered by different institutions. These include the Asset Registry managed by Rapindo; the Fintech Data Center (FDC) overseen by the LPBBTI Association; and the Fiduciary Guarantee Certification System managed by the Ministry of Law. This fragmented landscape highlights the complexity and multi-actor nature of Indonesia¡¯s credit reporting environment.These components together form a broader credit data environment. However; many of these systems operate independently; and coordination is limited due to fragmented regulations and the absence of a unified framework. This lack of interoperability presents several challenges; including data silos; inconsistent standards; and inefficiencies in accessing and sharing credit information. As highlighted in the 2023/2024 Financial Sector Assessment Program (FSAP) for Indonesia; there is an urgent need to develop a national strategy for CRS; including clear institutional roles; regulatory alignment; and oversight mechanisms.At the same time; the CRS in Indonesia presents significant opportunities. If strengthened and managed effectively; it can boost financial inclusion; improve risk management; and contribute to broader economic development.To address current challenges and harness potential benefits; an As-Is Assessment of Credit Reporting System Providers (PRSPs) is required. This assessment will map existing data flows; governance structures; access protocols; and interconnections across CRS entities. The results will serve as a foundation for a future integration roadmap and strategy to strengthen the CRS in Indonesia.