盯上大额逾期“洗白”！个人信用修复变中介营销噱头

Core Viewpoint - The implementation of the personal credit repair policy starting January 1, 2026, has led to a surge in borrowers sharing their success stories of clearing overdue records, while those with larger overdue amounts face anxiety due to the policy's limitations. This gap has attracted illegal intermediaries offering risky "credit washing" services for a fee [1][2][3]. Group 1: Policy Implementation and Impact - The new credit repair policy allows borrowers with overdue amounts of less than 10,000 yuan from 2020 to 2025 to benefit from a one-time credit repair service without application, provided they settle their debts by the end of March 2026 [2][6]. - Many borrowers have reported successful removal of overdue records, showcasing the policy's immediate benefits [2][6]. Group 2: Intermediary Exploitation - Some intermediaries are capitalizing on the anxiety of borrowers whose overdue amounts exceed the policy limits, offering services under the guise of "free credit checks" and "credit repair" [2][4]. - These intermediaries claim high success rates for credit repair through negotiations with banks, often charging fees ranging from 3,000 to 10,000 yuan depending on the type of bank involved [3][4]. Group 3: Risks Associated with Intermediaries - The services offered by these intermediaries come with significant risks, including potential financial loss, legal issues from fraudulent activities, and the risk of personal information leakage [5][7]. - Many intermediaries promote misleading tutorials that encourage borrowers to fabricate reasons for overdue payments, which can lead to further complications and legal repercussions [4][8]. Group 4: Regulatory Warnings and Best Practices - Regulatory authorities have warned that the credit repair policy is entirely free and does not require third-party involvement, emphasizing that any requests for payment or personal information under this policy are fraudulent [8][9]. - Borrowers are advised to adhere to the principles of "official, free, and proactive" when seeking credit repair, and to communicate directly with financial institutions to resolve overdue debts [9].