信用修复变营销噱头 中介盯上大额逾期洗白

Core Viewpoint - The implementation of personal credit repair policies starting January 1, 2026, has led to a surge in interest among borrowers, but it has also created a market for illegal intermediaries targeting those with large overdue debts who do not qualify for the new policy [1][2]. 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 without application, effective until March 31, 2026 [2]. - Many borrowers have shared their success stories of clearing overdue records, highlighting the policy's immediate benefits [2]. Group 2: Intermediary Exploitation - Some intermediaries are exploiting the anxiety of borrowers with overdue amounts exceeding 10,000 yuan, offering services to "clean" their credit records for fees ranging from 3,000 to 10,000 yuan [1][3]. - These intermediaries claim high success rates in repairing credit through negotiations with banks, but their methods often involve misleading practices [3][4]. Group 3: Risks and Misleading Practices - The services offered by intermediaries often come with significant risks, including potential financial loss, legal issues, and personal information leakage [5][6]. - Some intermediaries sell misleading tutorials on how to submit credit disputes, which may encourage borrowers to fabricate reasons for their overdue payments [4][6]. Group 4: Regulatory Warnings - Regulatory authorities have warned that the credit repair policy is free and does not require third-party involvement, emphasizing that any requests for payment or personal information under this policy are fraudulent [7][8]. - Financial institutions have also cautioned against intermediaries claiming they can remove overdue records, reiterating that legitimate credit repair must be conducted through official channels [7][8].