不明白一次性信用修复政策？适用对象、时间、金额一图读懂→

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy that allows eligible individuals with overdue credit information to have it removed from their credit reports without needing to apply or provide documentation, effective from January 1, 2026 [1][2]. Group 1: Policy Details - The policy applies to individuals with overdue credit information recorded in the People's Bank of China's credit system, specifically for overdue information generated between January 1, 2020, and December 31, 2025 [1]. - The overdue amount must not exceed 10,000 yuan for each instance, and individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of the overdue information from their credit reports [1]. - The credit repair process will be automatic, with the People's Bank of China identifying and processing eligible overdue information starting January 1, 2026 [1]. Group 2: Public Awareness and Fraud Prevention - The People's Bank of China emphasizes that the one-time credit repair policy is free of charge and does not require third-party agents; any solicitation for money or information under this policy is considered fraudulent [2]. - Individuals are encouraged to report any suspicious activities related to this policy to the People's Bank of China or local law enforcement [2].