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

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals with overdue loan records under 10,000 yuan to have these records removed if they repay by March 31, 2026, in an effort to support those with damaged credit due to the impacts of the COVID-19 pandemic [1][4]. Group 1: Policy Implementation - The policy was announced on December 22, 2025, to assist individuals who have been actively repaying their debts and to promote economic recovery [1][4]. - Individuals who repay overdue debts by November 30, 2025, will have their overdue information not displayed from January 1, 2026, while those who repay between December 1, 2025, and March 31, 2026, will have their information removed by the end of the following month [4]. Group 2: Individual Experiences - Many individuals have reported that their overdue records have been cleared, with examples including a person who had 47 months of overdue status now seeing their report cleared [2][3]. - Another individual noted a reduction in overdue records from 9 to 2, with the removed records primarily from 2021, all of which have been repaid [2]. - A third individual shared that their previously existing 11 overdue records were reduced to just 2 after the update, indicating a significant impact of the new policy on personal credit reports [3]. Group 3: Technical Processing - The Credit Reporting Center of the People's Bank of China is responsible for the technical processing of eligible overdue information, which does not require individuals to apply for removal [4]. - Individuals can report any discrepancies in their credit reports to the Credit Reporting Center, which is obligated to complete the verification process within 30 days [4].