一次性信用修复来了！你可能最关心的六个问题

Core Viewpoint - The implementation of a one-time credit repair policy by the People's Bank of China aims to provide relief for borrowers with overdue credit information, effective from January 1, 2026 [1]. Group 1: Eligibility and Application - The one-time credit repair policy applies to overdue information under four conditions: it must be displayed in the financial credit information database, generated between January 1, 2020, and December 31, 2025, involve a single overdue amount not exceeding 10,000 yuan, and the borrower must fully repay the overdue debt by March 31, 2026 [5][6]. - The policy does not differentiate between types of loans, including personal business loans, housing loans, consumer loans, and credit cards, as long as they meet the eligibility criteria [7]. - The application process is automatic, meaning individuals do not need to apply or submit any documentation; the credit information system will identify and process eligible overdue information [8]. Group 2: Costs and Timeline - There are no fees associated with this policy, and any requests for payment or personal information under the guise of this policy are considered scams [9]. - Changes to the display of overdue information will occur based on the repayment timeline: if debts are settled by November 30, 2025, the information will not be displayed from January 1, 2026; if settled between December 1, 2025, and March 31, 2026, the information will be updated by the end of the following month [10]. Group 3: Information Verification - Individuals can verify whether their overdue information has been adjusted through various channels, including online platforms like banking apps and the official credit reporting website, as well as offline methods such as self-service query machines [11].