2026年的第一天，“我的贷款逾期记录消除了”，多地网友晒出截图：赶上好时候了

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals to have certain overdue loan records removed from their credit reports, significantly improving their credit status as of January 1, 2026 [1][4]. Group 1: Policy Details - The policy was announced on December 22, 2025, to support individuals with damaged credit who have actively repaid their debts, aiming to aid economic recovery [1][4]. - Overdue information for personal loans not exceeding 10,000 yuan will not be displayed if the debt is repaid by March 31, 2026 [1][4]. - The credit repair process is automatic, requiring no application from individuals, and the credit reporting center will handle the technical processing of eligible overdue information [4]. Group 2: Individual Experiences - Many individuals have reported their credit reports being updated, with overdue records being cleared. For example, a person who had 47 months of overdue records found them all removed [2][3]. - Another individual noted a reduction in overdue records from 9 to 2, with the cleared records primarily from 2021 [2]. - A third individual shared that previously recorded overdue loans under 10,000 yuan were also removed, although some records remained due to penalties exceeding the threshold [3]. Group 3: Implementation and Impact - The policy is designed to be fair and straightforward, not differentiating between loan types or institutions, thus providing a broad opportunity for credit rebuilding [4]. - The credit reporting center is tasked with ensuring that any remaining overdue records that should be cleared can be addressed through customer service channels [4].