事关征信！央行发布一次性信用修复政策

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy that allows individuals to remove overdue records from their credit reports if they repay overdue debts of 10,000 yuan or less by March 31, 2026 [7][10]. Group 1: Policy Details - The policy applies to overdue records settled between January 1, 2020, and December 31, 2025, specifically for individual credit information in the financial credit information database [3][4]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of overdue records from their credit reports [6][11]. - The overdue amount considered for this policy includes not only the principal but also interest and penalties, necessitating verification between borrowers and lending institutions [7]. Group 2: Implementation Timeline - The credit repair policy will take effect on January 1, 2026, with a three-month grace period until March 31, 2026, allowing borrowers additional time to repay [10][12]. - Overdue information will be adjusted based on the repayment date, with two scenarios: if debts are repaid by November 30, 2025, the information will be removed from January 1, 2026; if repaid between December 1, 2025, and March 31, 2026, it will be removed by the end of the month following repayment [8][9]. Group 3: Additional Measures - The People's Bank of China will increase the number of free offline credit report inquiries by two in the first half of 2026, complementing the existing online inquiry options [13]. - Individuals can check the status of their overdue information through various channels, including financial institutions' mobile apps and the credit information service platform [13].