“我的逾期记录消除了”

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows certain overdue loan records to be removed from personal credit reports, effective January 1, 2025, aimed at helping individuals restore their credit status more quickly [1][2]. Group 1: Policy Implementation - The one-time credit repair policy was officially announced on December 22, 2025, and is designed to assist individuals with overdue records that have been repaid [1]. - The policy allows for the automatic removal of overdue records for eligible individuals without requiring them to submit applications or visit bank branches, making it an "automatic benefit" [3]. Group 2: Eligibility Criteria - The policy applies only to overdue information displayed in the central bank's credit system, specifically for overdue records generated between January 1, 2020, and December 31, 2025 [2]. - The overdue amount must not exceed 10,000 yuan for each instance, and individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of records [2]. Group 3: Impact on Individuals - Many citizens have reported that their overdue records have been eliminated, which is crucial for obtaining loans and credit, as negative credit records can hinder loan approvals and affect interest rates [3]. - The policy is expected to significantly improve the credit status of individuals who meet the criteria, thereby facilitating better access to financial products [3].