征信“更新”背后：为个人提供信用重建机会

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals with overdue loan records of up to 10,000 yuan to have these records removed if they repay by March 31, 2026, in an effort to support those affected by the COVID-19 pandemic and to aid economic recovery [1][4]. Group 1: Policy Implementation - The policy was announced on December 22, 2025, and aims to assist individuals with damaged credit who have actively repaid their debts [1][4]. - Individuals who repay overdue debts by November 30, 2025, will have their overdue information not displayed from January 1, 2026, while those who repay between December 1, 2025, and March 31, 2026, will have their information removed by the end of the following month [4]. Group 2: Impact on Individuals - Many individuals have reported that their overdue records have been cleared, with some experiencing a complete removal of all overdue entries from their credit reports [2][3]. - For example, an individual who had 47 months of overdue records found that all were cleared, while another saw a reduction from 9 overdue records to 2 [2][3]. - The policy applies uniformly across different loan types and institutions, ensuring fairness and simplicity in the credit repair process [4].