“征信修复”灰黑产再起：多环节收费高至10%

Core Viewpoint - The implementation of the personal credit repair policy in 2026 has created opportunities for overdue borrowers, but it has also attracted underground "credit repair" operations that exploit vulnerable individuals [1][3]. Group 1: Policy Implementation and Exploitation - The personal credit repair policy allows for the removal of overdue records from 2020 to 2025, provided the overdue amount does not exceed 10,000 yuan and is settled by March 2026 [3]. - Some intermediaries claim they can "break through the 10,000 yuan limit" and offer to "fully repair credit," misleading borrowers and charging high fees [3][5]. - These intermediaries often charge consultation fees ranging from 2% to 10% of the debt amount and employ various "upgrade strategies" to maximize their profits [1][12]. Group 2: Methods and Tactics of Intermediaries - Intermediaries use tactics such as fabricating documents and inducing borrowers to use specific phrases when communicating with banks [5][6]. - They offer services that include "debt consolidation" and "loan assistance packages," claiming to help clients negotiate better terms with banks [7][8]. - Some intermediaries provide "one-stop services" that encompass everything from credit repair to securing new loans, often misleading clients about the effectiveness of their services [8][9]. Group 3: Legal and Regulatory Concerns - The methods employed by these intermediaries are often non-compliant with regulations, as they misrepresent the nature of credit repair and the legal processes involved [6][17]. - The People's Bank of China has emphasized that there is no concept of "credit repair," and all credit information must be reported accurately [6][17]. - Engaging with these intermediaries can expose borrowers to legal risks, including potential fraud and violations of personal information protection laws [17][18]. Group 4: Market Dynamics and Public Awareness - The rise of these gray and black market operations is attributed to information asymmetry, where borrowers lack understanding of the credit repair policy and feel pressured to rectify their credit status [9][19]. - There is a need for improved public awareness regarding legitimate credit repair processes and the risks associated with engaging with fraudulent intermediaries [19]. - Experts suggest a multi-faceted approach to combat these illegal operations, including better regulatory oversight, public education, and collaboration among financial institutions [19].