“免申即享”！一次性信用修复政策助力个人重塑信用

Group 1 - The People's Bank of China (PBOC) has announced a one-time credit repair policy that will not display overdue information in personal credit reports for eligible individuals who have overdue debts but are actively repaying them [1] - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [1] - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of overdue information from their credit reports [1] Group 2 - The credit repair policy is implemented on an "automatic enjoyment" basis, meaning individuals do not need to apply or submit any documentation [1] - From January 1, 2026, the PBOC will automatically identify and process eligible overdue information [1] - As a supporting measure, the PBOC will provide two additional opportunities for individuals to check their credit reports for free in the first half of 2026 [1] Group 3 - The PBOC has warned the public that the credit repair policy is free of charge and does not require third-party agents; any solicitation for money or information under this policy is considered fraudulent [2] - Individuals are encouraged to report any suspicious activities related to the policy to the PBOC or local law enforcement [2]