个人如何享受一次性信用修复政策？央行这场发布会全都告诉你

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy aimed at helping individuals with overdue debts from January 1, 2020, to December 31, 2025, by removing certain overdue information from credit reports if debts are repaid by March 31, 2026 [1][2][3] Group 1: Policy Details - The policy applies to individual overdue information with a single amount not exceeding 10,000 RMB, and individuals must repay their overdue debts in full by March 31, 2026, for the information to be excluded from the credit report [2][3] - The policy does not differentiate between loan institutions or types, covering various loan types including personal loans, housing loans, consumer loans, and credit cards, as well as overdue loans from platforms like JD BaiTiao and Huabei [2][4] - The implementation of the policy is "automatic," meaning individuals do not need to apply or submit any documentation; the PBOC's credit system will automatically identify and process eligible overdue information [2][5] Group 2: Additional Measures - To accommodate public demand for credit report inquiries post-policy implementation, the PBOC will provide an additional two free credit report inquiries per person in the first half of 2026, on top of the existing two free inquiries allowed annually [5][6] - The policy includes a three-month grace period, allowing individuals to repay overdue debts within this timeframe to still qualify for the credit repair [5][6] - The PBOC emphasizes that any requests for money or personal information under the guise of this policy are fraudulent, urging the public to remain vigilant against scams [6][7] Group 3: Impact on Credit Reports - Following the implementation of the policy, overdue information for eligible individuals will be adjusted in the credit report, changing the repayment status from overdue to normal and reflecting overdue amounts as zero [7][8] - The credit system will process overdue information based on the timing of debt repayment, with specific rules for when the information will no longer be displayed [8][9] - Individuals are encouraged to verify their credit status through official channels and to consult with loan institutions if they have questions regarding their eligibility for the policy [9][10]