Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy to support individuals with damaged credit who are actively repaying their debts, aiming to facilitate economic recovery post-COVID-19 [1] Group 1: Policy Overview - The policy is designed to address the impacts of the COVID-19 pandemic by allowing individuals with certain overdue credit information to have it removed from their credit reports if they meet specific criteria [1] - Eligible overdue information must have occurred between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [1] - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of overdue information from their credit reports [1] Group 2: Implementation Method - The policy operates on an "automatic recognition" basis, meaning individuals do not need to apply or provide documentation; the People's Bank of China will automatically identify and process eligible overdue information [2] - The policy is free of charge, and any requests for payment or personal information in relation to this policy are considered fraudulent [2] Group 3: Credit Report Changes - Following the policy's implementation, eligible overdue information will be updated in credit reports, changing the repayment status from overdue to normal and adjusting overdue amounts below 10,000 yuan to zero [2] - The timing of these updates will depend on when individuals settle their overdue debts, with specific cut-off dates for reporting changes [2] Group 4: Credit Report Access - Individuals can access their personal credit reports through various online and offline channels, including banking apps, the official website of the People's Bank of China, and self-service query machines [3]
1万元以下逾期可修复 央行明确一次性信用修复政策细则
Zhong Guo Jing Ying Bao·2025-12-22 07:27