“底线”从未动摇！个人信用如何重塑？一次性信用修复政策亮点解读↓

Core Viewpoint - The People's Bank of China (PBOC) has introduced a one-time credit repair policy aimed at helping individuals restore their credit status by removing overdue information from credit reports, provided they fully repay their overdue debts by March 31, 2026 [1][12]. Group 1: Policy Details - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 RMB [5][12]. - Individuals must fully repay their overdue debts to benefit from the credit record adjustment, emphasizing that this is not a debt waiver [1][3]. - The policy is automatic, requiring no application or third-party involvement, and will be processed by the PBOC's credit system [16][19]. Group 2: Implementation and Guidance - Financial institutions advise individuals to confirm the repayment amounts to avoid missing out on the policy benefits [4][6]. - There is a three-month grace period for repayments, allowing individuals to settle their debts by March 31, 2026, to qualify for credit repair [16]. - Individuals can check their credit reports through various channels, with additional free queries available in the first half of 2026 [17]. Group 3: Fraud Prevention - The PBOC warns against fraudulent activities by illegal intermediaries claiming to offer credit repair services for a fee, emphasizing that the policy is free of charge [11][19]. - Individuals are encouraged to report any suspicious activities related to this policy to the PBOC or local authorities [19].