兰州住房公积金中心发布一次性信用修复政策全攻略

Core Viewpoint - The Lanzhou Housing Provident Fund Management Center has launched a one-time credit repair policy to support borrowers with damaged credit who are actively repaying their loans, allowing them to restore their credit status without the need for application or documentation [1][2]. 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 yuan, and must be fully repaid by March 31, 2026 [1]. - The policy operates on an "automatic recognition" mechanism, where the People's Bank of China will automatically process the credit repair without requiring individual applications [1]. - If overdue debts are fully repaid by November 30, 2025, the overdue information will not be displayed starting January 1, 2026; if repaid between December 1, 2025, and March 31, 2026, the information will be removed by the end of the following month [1]. Group 2: Adjustment of Credit Information - Eligible overdue information will be adjusted to reflect a "normal" repayment status instead of "overdue," and the overdue amount will be changed to "0" in the credit report [2]. - The Lanzhou Housing Provident Fund Management Center emphasizes that this policy is a free public welfare initiative, warning against scams that charge fees for credit repair services [2]. - Individuals can enjoy two additional free credit report inquiries from January 1 to June 30, 2026, in addition to the annual two free inquiries, through official channels [2].