一次性信用修复政策“免申即享”

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy to help individuals efficiently restore their credit by removing overdue information from credit reports under specific conditions [3][4]. Group 1: Policy Introduction - The one-time credit repair policy aims to assist individuals who have experienced overdue debts due to uncontrollable factors like the COVID-19 pandemic, allowing them to rebuild their credit without the burden of past overdue records [3][4]. - The credit reporting system has collected information on 1.16 billion individuals, with 810 million having credit records, and an annual query volume of 6.58 billion times as of the end of November [3]. Group 2: Eligibility Criteria - The policy specifies that eligible overdue information must have occurred between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan, and the debt must be fully repaid by March 31, 2026 [4][5]. - The policy emphasizes convenience, allowing automatic adjustments without the need for individuals to apply or provide documentation, covering various types of debts [4][5]. Group 3: Implementation and Benefits - The policy includes a three-month grace period for individuals to settle their overdue debts, facilitating broader access and providing ample time for repayment [5]. - After the policy's implementation, overdue information will be updated in credit reports, changing the status from overdue to normal and reflecting the overdue amount as zero for those who repay their debts on time [6]. - The policy maintains a strict boundary by excluding those who have not settled their debts, ensuring the integrity of the credit system while promoting financial inclusivity [6].