一次性信用修复政策下月到期，建议提前规划还款

Core Viewpoint - The People's Bank of China (PBOC) Hubei Branch has announced that a one-time credit repair policy will expire next month, urging eligible individuals to plan their repayments in advance to avoid missing the opportunity due to bank processing delays or funding issues [1][2]. Group 1: Policy Overview - The one-time credit repair policy was introduced in December 2022, allowing individuals with personal credit overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 RMB, to repair their credit [3][5]. - Individuals must fully repay their overdue debts by March 31, 2026, for the system to automatically process and remove the overdue records from their credit reports [3][5]. Group 2: Repayment Guidelines - The repayment deadline for this policy is March 31, 2026, and the timing of repayment will affect the speed of credit record updates [5]. - If repayment is completed by November 30, 2025, overdue records will no longer be displayed starting January 1, 2026. If repayment occurs between December 1, 2025, and March 31, 2026, updates will be completed by the end of the following month [1][7]. Group 3: Process and Verification - The policy is implemented without the need for application or operation from individuals; eligible cases will be processed automatically by the system without any fees or third-party involvement [2][9]. - After the automatic processing of overdue records, individuals can verify their credit reports through various channels, including mobile banking apps, online banking, and self-service query machines [11][20]. Group 4: Credit Report Changes - Once the credit report is repaired, the "repayment status" will change from overdue to normal, and the "overdue amount" will be adjusted to zero for amounts below 10,000 RMB [20]. - The retention period for negative information by credit reporting agencies is five years from the termination of the negative behavior or event, emphasizing the importance of timely repayment to take advantage of the credit repair policy [20].