一次性信用修复≠征信洗白≠债务豁免，这些底线不能碰

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at individuals who have settled overdue debts of less than 10,000 yuan between January 1, 2020, and December 31, 2025, effective from January 1, 2026. This policy is designed to balance the principles of "trustworthy incentives and untrustworthy penalties" within the credit system [3][4]. Group 1: Policy Details - The one-time credit repair policy is free of charge, and any claims of paid services for credit repair are fraudulent. The public is advised to remain vigilant against scams [4][11]. - The policy specifically excludes malicious debt evaders and those with severe overdue records, ensuring that it targets only those who have genuinely fulfilled their repayment obligations [5][7]. - The credit repair will remove overdue records from credit reports, allowing individuals to regain access to financial services, but only if they have fully repaid their debts [10][13]. Group 2: Social Impact - The policy is seen as an innovative practice to enhance social governance effectiveness, reinforcing the credit system's integrity while providing a second chance for temporarily untrustworthy individuals [6][7]. - Experts emphasize that the policy reflects a humanistic approach, promoting social harmony and stability by allowing for credit repair without condoning untrustworthy behavior [7][11]. - The initiative aims to create a more inclusive credit environment while maintaining strict boundaries to prevent abuse of the system [9][12].