一次性信用修复≠征信洗白，这些底线不能碰！

Core Viewpoint - The People's Bank of China has introduced a new policy for credit repair, balancing strict credit enforcement with humane considerations, aiming to support honest individuals while maintaining the integrity of the credit system [2][5]. Group 1: Policy Details - The new policy specifies that overdue records for unpaid debts will not be eligible for repair, ensuring that those who do not fulfill their obligations cannot benefit from the policy [2][4]. - Individuals who fully repay their debts will have their overdue records removed from credit reports starting January 1, 2026, without needing to submit an application [3][4]. Group 2: Target Audience - The policy is designed to assist individuals who have made unintentional mistakes or faced difficulties but have actively sought to fulfill their obligations, rather than targeting malicious defaulters [3][4]. - The initiative reflects a commitment to maintaining a fair credit system that does not penalize honest individuals for minor lapses [5]. Group 3: Misconceptions and Clarifications - There is a misconception that the policy allows for "credit washing" or paying to delete records; however, it strictly requires full repayment of debts as a prerequisite for any credit repair [4]. - The policy does not relax credit constraints but rather provides a specific relief for non-malicious overdue records, reinforcing the principle of "rewarding honesty and punishing dishonesty" [4][5].