刚刚！央行官宣事关信用修复

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy aimed at helping individuals with damaged credit due to the COVID-19 pandemic, allowing automatic adjustments to overdue information without the need for personal applications or documentation [2]. Group 1: Policy Content - The policy applies to overdue information from January 1, 2020, to December 31, 2025, for amounts not exceeding 10,000 RMB. Individuals who repay their overdue debts in full by March 31, 2026, will have this information removed from their credit reports [2]. - If individuals repay their overdue debts by November 30, 2025, the overdue information will not be displayed from January 1, 2026 [2]. - For repayments made between December 1, 2025, and March 31, 2026, the overdue information will be removed by the end of the following month [2]. Group 2: Implementation Method - The PBOC's Credit Reporting Center will handle the technical processing of eligible overdue information without requiring individual applications [3]. - Individuals who find that their eligible overdue information is still displayed after the specified time can contact the Credit Reporting Center for resolution, which must be completed within 30 days [3]. Group 3: Work Requirements - The Credit Reporting Center is tasked with coordinating and implementing the policy, ensuring that financial institutions adjust the relevant information promptly for eligible individuals [5]. - There will be an emphasis on public service and communication, with various channels available for individuals to access their credit reports and understand the policy [5]. - Financial institutions must adhere to regulations and ensure accurate reporting of credit information while enhancing their risk management capabilities [5]. Group 4: Other Matters - The previous notification regarding financial support for COVID-19 is no longer applicable as of the announcement date [6]. - From January 1 to June 30, 2026, individuals can access their credit reports for free up to four times a year [6].