“我的逾期记录消除了！”多网友晒出征信报告截图

Core Insights - The People's Bank of China has implemented a one-time credit repair policy that allows individuals to clear overdue records from their credit reports if they repay debts by March 31, 2026 [1][5][6] Group 1: Policy Implementation - The one-time credit repair policy officially took effect on January 1, 2026, with many individuals reporting the removal of overdue records on social media platforms [2][3] - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, for amounts not exceeding 10,000 RMB per instance [5][6] Group 2: Impact on Individuals - Individuals who have previously missed payments but have since repaid their debts are experiencing relief as their credit reports are being updated to reflect this [3][4] - The policy aims to assist those who are not malicious defaulters but have made genuine mistakes, allowing them to restore their credit status [5][7] Group 3: Benefits for Financial Institutions - The credit repair policy is expected to enhance credit decision-making for banks by providing a clearer picture of borrowers' creditworthiness [6][7] - Financial institutions will benefit from improved asset quality as more individuals are encouraged to repay overdue debts, potentially expanding their customer base [7] Group 4: Accessibility and Convenience - The credit repair process is designed to be user-friendly, requiring no additional applications or fees, as the system automatically updates qualifying records [6][7] - This "automatic benefit" approach ensures that individuals can enjoy the advantages of the policy without needing to visit bank branches or fill out forms [7]