央行发福利！单笔逾期不超过1万元，支持个人信用修复

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy to support individuals affected by the COVID-19 pandemic, allowing for the removal of certain overdue information from credit reports if debts are repaid by March 31, 2026 [2][3]. Group 1: Policy Details - The policy applies to personal credit overdue information recorded in the financial credit information database from January 1, 2020, to December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [3]. - Individuals must repay their overdue debts in full by March 31, 2026, for the overdue information to be removed from their credit reports [3]. Group 2: Implementation Process - The policy features an "automatic enjoyment" model, meaning eligible individuals do not need to apply or submit documentation; the People's Bank of China will automatically identify and process qualifying overdue information [4]. - The policy does not involve any fees or third-party agents, and any solicitation for money or information under this policy is considered fraudulent [4]. Group 3: Changes in Credit Reports - Once the policy is implemented, qualifying overdue records will change from an overdue status to a normal status, and the overdue amount will be adjusted to zero in the credit report [4]. - The changes will be reflected in both the "information summary" and "credit transaction details" sections of the credit report [4]. Group 4: Timeline for Changes - If an individual repays overdue debts by November 30, 2025, the overdue information will not be displayed from January 1, 2026 [5]. - For debts repaid between December 1, 2025, and March 31, 2026, the overdue information will be updated by the end of the following month [5]. Group 5: Credit Report Access - Individuals can check if their overdue information has been removed through various channels, with online options being recommended for convenience [6]. - From January 1 to June 30, 2026, individuals will have access to two additional free credit report queries beyond the usual two per year [6].