支持个人信用一次性修复！央行发布重磅新政

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing them to effectively and conveniently restore their credit status [1] Group 1: Policy Details - The one-time credit repair policy applies to overdue information for individuals recorded in the financial credit information database, specifically for overdue amounts not exceeding 10,000 RMB [2] - The overdue information must have occurred between January 1, 2020, and December 31, 2025, and individuals must fully repay their overdue debts by March 31, 2026, to qualify for the policy [2] - The policy does not require any fees or third-party agents, and any solicitation for money or information under this policy is considered fraudulent [3] Group 2: Changes in Credit Reporting - Following the implementation of the policy, qualifying overdue information will see changes in the credit report, where the "repayment status" will change from overdue to normal, and the "overdue amount" will be adjusted from a non-zero value below 10,000 RMB to zero [4] - The adjustments will be reflected in both the "information summary" and "credit transaction details" sections of the personal credit report [4] Group 3: Timeline for Changes - If an individual fully repays their overdue debt by November 30, 2025, the credit system will stop displaying the related overdue information starting January 1, 2026 [5] - For those who repay between December 1, 2025, and March 31, 2026, the overdue information will be adjusted by the end of the following month after repayment [5] Group 4: Confirmation of Adjustments - Individuals can confirm whether their overdue information has been adjusted through various online channels, including mobile banking apps, online banking, and the official website of the People's Bank of China [7]