失信人如何修复个人信用？新规明年4月实施

Core Viewpoint - The National Development and Reform Commission has released the "Credit Repair Management Measures," which will take effect on April 1 next year, marking a significant advancement in establishing a unified and efficient credit repair system [1][2]. Group 1: Credit Repair Definition and Classification - Credit repair is defined as the activity where credit subjects actively improve their credit status by correcting dishonest behavior and fulfilling related obligations, leading to the termination of public disclosure and the cessation of the use of dishonest information [2][3]. - The classification of dishonest information is divided into three categories: "minor, general, and serious," with specific public disclosure periods set for each category [2][3]. Group 2: Conditions for Credit Repair Application - To apply for credit repair, subjects must meet four conditions: reaching the minimum public disclosure period, correcting dishonest behavior, making a public credit commitment, and fulfilling any other legal or regulatory requirements [5][6]. - The application must include three types of documentation: proof of corrected dishonest behavior, a credit commitment letter, and any other materials required by laws or regulations [5][6]. Group 3: Public Disclosure Periods - Minor dishonest information is generally not disclosed, but if necessary, it can be disclosed for a maximum of three months [2][3]. - General dishonest information has a minimum public disclosure period of three months and a maximum of one year [2][3]. - Serious dishonest information has a minimum public disclosure period of one year and a maximum of three years [3]. Group 4: Unified Processing and Information Synchronization - The "Credit China" website will serve as a unified processing platform for credit repair applications, adhering to the principle of "whoever identifies, whoever repairs" [4][5]. - A data-sharing mechanism will be established between the credit platform and relevant government departments to ensure timely updates of credit repair information [6]. Group 5: Emphasis on No Fees and Fraud Prevention - The new measures emphasize that authorized agencies must not charge any fees for credit repair activities, and violations will be subject to legal accountability [7]. - There is a growing concern about fraudulent schemes related to credit repair, where individuals are misled into paying for services that promise to delete negative credit information [8][9].