明日起生效！个人信用一次性修复，这些要点要掌握

Core Viewpoint - The People's Bank of China will implement a one-time credit repair policy starting January 1, 2026, which will remove certain overdue information from credit reports for individuals who have fully repaid their debts by specified deadlines [1]. Group 1: Policy Details - The policy applies to overdue information for individuals who have fully repaid qualifying debts by November 30, 2025, and will not display such information in the credit system [1]. - Individuals who repay qualifying overdue debts between December 1, 2025, and March 31, 2026, will have their overdue information not displayed by the end of the following month [1]. - The policy is applicable to various types of loans, including credit cards, housing loans, and consumer loans, without distinguishing between loan institutions [2]. Group 2: Eligibility Criteria - To qualify for the credit repair, individuals must have overdue amounts not exceeding 10,000 RMB for any single overdue instance between January 1, 2020, and December 31, 2025 [2]. - Full repayment of overdue debts must be completed by March 31, 2026, to ensure the overdue information is not displayed [9]. Group 3: Operational Guidelines - The policy does not require any fees or third-party agents; individuals who meet the criteria and have settled their overdue debts do not need to submit any application or documentation [6]. - The People's Bank of China will automatically adjust the credit records based on the repayment status of individuals [7]. Group 4: Impact on Credit Reports - Individuals can check their credit reports through various channels, including mobile banking apps and online platforms, to confirm if their overdue information has been adjusted [4][18]. - The credit report will reflect changes based on the policy, with possible scenarios including complete removal of overdue information or a reduction in the number of overdue accounts [11][14]. Group 5: Additional Information - The retention period for negative credit information is five years, after which it will not appear in credit reports [5]. - Individuals can access their credit reports for free twice a year, with an additional two free queries available in the first half of 2026 due to increased demand following the policy implementation [18].