贷款逾期记录“清零”！多地网友晒图 个人信用修复窗口限时打开

Core Viewpoint - The recent implementation of a one-time credit repair policy by the People's Bank of China has led to a significant reduction or elimination of overdue records for eligible individuals, enhancing their credit status and financial opportunities [9][10]. Group 1: Policy Details - The one-time credit repair policy allows individuals with overdue records from January 1, 2020, to December 31, 2025, to have their overdue information removed if they repay their debts in full by March 31, 2026 [9][12]. - The policy applies to overdue amounts not exceeding 10,000 RMB per instance, and it is automatically processed without the need for individuals to apply or provide documentation [9][12]. - Adjustments to credit reports will reflect overdue accounts as normal, and overdue amounts will be shown as zero, enhancing the creditworthiness of individuals who meet the criteria [10][12]. Group 2: Implementation and Impact - The policy has already been implemented, with many users confirming the positive effects through updated credit reports that show cleared overdue records [9][10]. - The People's Bank of China will increase the number of free credit report queries in the first half of 2026, allowing individuals to check their credit status more easily [13]. - The policy aims to address the "credit dilemma" faced by individuals who have repaid their debts, encouraging them to restore their credit status and improve their financial situation [14][15]. Group 3: Industry Implications - The one-time credit repair policy is expected to enhance the credit decision-making process for financial institutions, allowing for more accurate assessments of borrowers' creditworthiness [15]. - By encouraging individuals to repay overdue debts, the policy may help banks recover loans and improve asset quality, thus promoting inclusive finance [14][15]. - The initiative is designed to support non-malicious defaulters while maintaining strict conditions to prevent abuse of the credit system, ensuring that future credit records remain relevant and impactful [15].