花钱“修复征信”？不靠谱，小心摊上“新麻烦”

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy effective from January 1, 2026, aimed at specific historical periods of personal small overdue records, allowing users to clear their overdue records under certain conditions [1][4]. Group 1: Policy Details - The credit repair policy is not a long-term arrangement but is targeted at specific groups, with strict conditions for eligibility [4]. - Eligible overdue records must be from January 1, 2020, to December 31, 2025, with a single overdue amount not exceeding 10,000 yuan, and the overdue debt must be fully repaid by March 31, 2026 [4]. - The policy aims to assist individuals who have economic difficulties but are willing to fulfill their obligations, rather than providing leniency to malicious defaulters [9]. Group 2: Market Response and Risks - Some institutions are offering paid services to "repair" credit records, claiming to use legal knowledge to eliminate bad records, but these claims are often dubious [5][6]. - The costs for these services vary significantly, with some charging as low as hundreds of yuan per record, while others may charge thousands [5]. - There are numerous reports of scams in the credit repair industry, where individuals or companies promise to remove bad records but fail to deliver after payment [7][8]. Group 3: Expert Insights - Experts emphasize that credit information cannot be arbitrarily deleted or modified, and any disputes should be handled through official channels [9]. - The new policy is seen as a positive step towards restoring credit for specific individuals, which could help stimulate consumption and support economic growth [9].