一次性信用修复：怎么修？谁受益？5个问题讲清楚

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at helping individuals with previously damaged credit who have been actively repaying their debts, facilitating economic recovery [1] Group 1: Policy Details - The policy targets credit overdue information recorded in the People's Bank of China credit system, specifically for overdue events occurring between January 1, 2020, and December 31, 2025 [2] - The overdue amount must not exceed 10,000 yuan per instance, and the debt must be fully repaid by March 31, 2026, to qualify for credit repair [2] - Once the conditions are met, the overdue information will not be displayed in the credit report, effectively providing a "reset" opportunity for credit [2] Group 2: Application Process - Individuals do not need to apply for the policy; it is an "automatic benefit" where the credit system will identify eligible records and process them without requiring any documentation or intermediary services [3] - The policy is free of charge, and any solicitation for payment or personal information for credit repair services should be reported as fraud [3] Group 3: Changes in Credit Report - After the repair, two key changes will occur in the credit report: the repayment status will change from "overdue" to "normal," and the overdue amount will be adjusted to "0" [4] - These 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 debts are cleared by November 30, 2025, the overdue information will no longer be displayed starting January 1, 2026 [5] - For debts cleared between December 1, 2025, and March 31, 2026, the credit system will complete adjustments by the end of the following month [5] Group 5: Confirmation of Adjustments - Individuals can verify their credit report changes through various online and offline channels, including banking apps and credit service windows [5] - The policy aims to alleviate concerns for consumers with small overdue amounts, encouraging increased consumption and economic activity [5][6]