一次性信用修复，来了！

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, in response to the ongoing impacts of the COVID-19 pandemic [2][6]. Policy Details - The policy applies to personal overdue information from January 1, 2020, to December 31, 2025, for amounts not exceeding 10,000 RMB. Individuals who fully repay their overdue debts by March 31, 2026, will have this information not displayed in the financial credit information database [4][11]. - If individuals repay their overdue debts by November 30, 2025, the overdue information will not be displayed starting January 1, 2026. For those who repay between December 1, 2025, and March 31, 2026, the information will not be displayed by the end of the following month [5][13]. Implementation Method - The PBOC's Credit Reporting Center will automatically process eligible overdue information without requiring individuals to apply or submit documentation. Individuals can report any discrepancies through the designated customer service channels [7][12]. Work Requirements - The Credit Reporting Center is tasked with coordinating the implementation of the policy, ensuring that financial institutions comply with the requirements, and providing clear communication to the public regarding the policy [9][10]. - Institutions must maintain systems for online and offline credit report inquiries and ensure that the public can easily access their credit information [9]. Additional Information - The policy will not incur any fees, and any requests for payment or personal information under this policy are considered fraudulent. Individuals can report such incidents to the PBOC or local law enforcement [5][12]. - From January 1 to June 30, 2026, individuals can query their credit reports for free up to two additional times beyond the standard allowance [10].