中国人民银行发布一次性信用修复政策

Group 1 - The core viewpoint of the article is the implementation of a one-time credit repair policy by the People's Bank of China, which will not display overdue information for eligible individuals in the credit reporting system [2] - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, for individual overdue amounts not exceeding 10,000 RMB, provided that the overdue debts are fully repaid by March 31, 2026 [3][6][7][8] - The policy is automatic, meaning individuals do not need to apply; the credit reporting system will identify and process eligible overdue information [9] Group 2 - There are two potential changes in the personal credit report based on the overdue situation: if all overdue information meets the policy conditions, it will not be displayed; if only some information qualifies, the number of overdue accounts or historical overdue months may decrease [10] - The article provides examples of credit report changes before and after the policy implementation, indicating that overdue accounts may be removed from the report [12][13] - Individuals can check their credit reports through various channels, including online via the China Construction Bank app or offline at any bank branch [14][15][16]