一次性信用修复政策来了！个人是否要主动申请？

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing for efficient and convenient credit restoration [1]. Group 1: Policy Details - The one-time credit repair policy will automatically identify and process eligible overdue information without requiring individuals to apply or submit any documentation [4]. - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [3]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the policy [3]. Group 2: Changes in Credit Reporting - After the implementation of the policy, the "repayment status" will change from overdue to normal, and the "overdue amount" will be adjusted from a non-zero value below 10,000 yuan to zero [6]. - Individuals who repay their overdue debts by November 30, 2025, will see the changes reflected in the credit reporting system starting January 1, 2026 [6]. - For those who repay between December 1, 2025, and March 31, 2026, the changes will be reflected by the end of the following month [6]. Group 3: Confirmation of Adjustments - Individuals can confirm whether their overdue information has been adjusted through online queries via mobile banking apps, online banking, and the official website of the People's Bank of China [7].