告别征信“污点”？央行出手，这几类逾期记录有望一次性清零

Core Viewpoint - The People's Bank of China has implemented a "one-time credit repair" policy aimed at helping millions of individuals with small overdue debts regain their creditworthiness by removing certain overdue information from credit reports if debts are fully repaid by March 31, 2026 [2][3]. Group 1: Policy Details - The policy applies to overdue amounts of up to 10,000 RMB per single instance, covering various types of loans including mortgages, credit cards, and personal loans, without differentiating between financial institutions or loan types [3][4]. - The overdue information eligible for removal must have occurred between January 1, 2020, and December 31, 2025, and must be fully repaid by the specified deadline [4][5]. - The policy is designed to assist individuals who are not malicious defaulters but have faced financial difficulties, particularly due to the impacts of the COVID-19 pandemic [5][6]. Group 2: Repayment Conditions - Borrowers must not only repay the overdue amounts but also ensure that current monthly payments are made on time to qualify for credit repair [6][7]. - The credit repair process will automatically identify and process eligible overdue information without requiring additional actions from the borrowers [8]. Group 3: Verification Process - Borrowers are advised to confirm their repayment amounts and statuses to ensure compliance with the policy, utilizing official channels for inquiries [9][10]. - It is crucial for borrowers to avoid reliance on illegal intermediaries that may mislead them regarding the credit repair process [11].