1月4日|政策法规通：央行发布一次性信用修复政策

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy aimed at helping individuals with damaged credit who are actively repaying their debts, effective from December 22, 2025 [1][9]. Summary by Relevant Sections Policy Details - The policy applies to personal overdue information generated between January 1, 2020, and December 31, 2025, for amounts not exceeding 10,000 yuan per instance. Individuals who fully repay their overdue debts by March 31, 2026, will have this information not displayed in the credit report [3][7]. - Specifically, if debts are repaid by November 30, 2025, the overdue information will not be displayed from January 1, 2026. For repayments made between December 1, 2025, and March 31, 2026, the information will be updated by the end of the following month [3][7]. Eligibility Criteria - The policy is limited to individuals with overdue information in the PBOC credit system, applicable only to overdue information generated within the specified time frame and amount [3][7]. - The policy does not differentiate between types of loans, including credit cards, mortgages, and consumer loans, as long as the conditions are met [3][7]. Implementation Measures - The PBOC has established three supporting measures to ensure smooth implementation: 1. An "automatic recognition" system will identify eligible overdue information without requiring individuals to apply or submit documentation [4][8]. 2. A three-month grace period is set for individuals to repay their debts, extending until March 31, 2026, considering holiday factors [4][8]. 3. An additional two free credit report inquiries will be provided in the first half of 2026, on top of the existing two free inquiries per year [4][8]. Impact on Credit Reports - Following the implementation of the policy, eligible overdue information will have its "repayment status" changed from overdue to normal, and overdue amounts below 10,000 yuan will be adjusted to zero in the credit report [5][8].