“征信修复”灰黑产再起：宣称可“突破万元限制”，多环节收费高至10%

Core Viewpoint - The article highlights the emergence of illegal and fraudulent practices surrounding credit repair services, particularly in response to the new personal credit repair policy set to take effect in 2026, which has led to the exploitation of vulnerable borrowers by unscrupulous intermediaries [1][2][8]. Group 1: Credit Repair Policy and Its Exploitation - The personal credit repair policy will be implemented on January 1, 2026, allowing borrowers with overdue records from 2020 to 2025 to clear their credit if the overdue amount is under 10,000 yuan and settled by March 31, 2026 [2]. - Many borrowers are unable to meet the policy's criteria, leading to the rise of intermediaries claiming they can "break through the 10,000 yuan limit" and fully repair credit [2][4]. - These intermediaries often charge high fees ranging from 2% to 10% of the debt amount, using deceptive practices to lure borrowers into costly services [1][12]. Group 2: Methods and Operations of Intermediaries - Intermediaries employ various tactics, including exaggerating the policy's applicability, forging documents, and creating a sense of urgency among borrowers [2][4]. - They typically offer services such as "debt consolidation" and "credit repair," often misleading clients about the legality and effectiveness of their methods [6][7]. - Some intermediaries provide "one-stop services," claiming to assist clients in negotiating with banks to remove overdue records, despite these practices being non-compliant with regulations [6][7]. Group 3: Legal and Ethical Concerns - The practices of these intermediaries not only involve potential fraud but also pose risks of personal information leakage and legal repercussions for borrowers [1][8]. - The article emphasizes that credit records cannot be arbitrarily deleted, and the process of disputing credit information is strictly regulated [5][16]. - Many contracts from intermediaries contain vague terms and high penalties for breach, making it difficult for clients to seek recourse [11][13]. Group 4: Recommendations for Addressing the Issue - Experts suggest a multi-faceted approach to combat these gray and black market practices, including better public education on legitimate credit repair processes and stricter regulation of intermediaries [18]. - Financial institutions are encouraged to enhance internal controls and streamline legitimate dispute processes to reduce borrower costs [18]. - Social media platforms should improve content moderation to prevent the spread of misleading advertisements related to credit repair services [18].