手机报·晚报丨无需申请也不用花钱，央行推出信用修复政策；河南新一轮降雪今夜抵达

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy that allows individuals to have overdue information removed from their credit reports if they repay debts by March 31, 2026, without needing to apply or pay any fees [2][3]. Group 1: Policy Details - The policy applies to personal overdue information for amounts not exceeding 10,000 RMB, dated between January 1, 2020, and December 31, 2025 [2]. - The credit repair process is automatic, with the credit reporting system identifying eligible overdue information without requiring any action from individuals [2]. - The policy is free of charge, and any solicitation for payment related to this policy is considered fraudulent [2]. Group 2: Implementation Timeline - Overdue information will be adjusted based on when the debts are settled: - If debts are repaid by November 30, 2025, the information will not be displayed starting January 1, 2026 [3]. - If debts are repaid between December 1, 2025, and March 31, 2026, the information will be updated by the end of the following month [3]. Group 3: Credit Report Inquiry - Individuals can check their credit report to confirm the status of overdue information through online and offline methods [4]. - The People's Bank of China will provide two additional opportunities for free offline credit report inquiries in the first half of 2026 [4]. - For questions regarding the applicability of the policy, individuals can contact lending institutions or the credit reporting service hotline [4].