你的征信可能更新了央行一次性信用修复政策生效实施，哪类人适用、该怎么操作？

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who actively repay their debts, thereby promoting economic recovery [1] Group 1: Policy Details - The one-time credit repair policy allows for the removal of overdue records for personal loans not exceeding 10,000 yuan if repaid by March 31, 2026 [1] - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, excluding new overdue records [1] - The policy operates on an "automatic recognition and processing" basis, meaning individuals do not need to apply or submit documentation [1] Group 2: Impact on Individuals - The policy aims to alleviate the long-term restrictions faced by individuals due to bad credit, which can affect loans, job applications, housing, and travel [1] - It encourages individuals to actively repay debts and correct past credit issues, countering the mindset of "once untrustworthy, always untrustworthy" [1] - Restoring credit is seen as essential for individuals to regain access to financial services, improving their quality of life and personal development [1] Group 3: Expert Opinions - Experts believe the policy balances financial risk prevention and social equity, reflecting the need for a dynamic and precise financial status [1] - The policy is viewed as reasonable and moderate, providing necessary support while preventing potential loopholes in credit repair [1] - The initiative is expected to stimulate consumption and investment, contributing to sustained economic growth [1]