多地借款人晒征信报告截图：“逾期记录没有了”

Core Viewpoint - The article discusses the implementation of a one-time credit repair policy by the People's Bank of China, which allows individuals with overdue credit information to have their records removed under certain conditions, thereby improving their creditworthiness and access to loans [3][4]. Policy Implementation - The one-time credit repair policy was announced on December 22, 2025, and became effective on January 1, 2026, allowing eligible individuals to benefit from automatic credit repair without the need for application [3][5]. - The policy aims to assist individuals who have experienced credit issues due to non-subjective factors such as unemployment or illness since January 1, 2020, and have a willingness to repay their debts [4][9]. Eligibility Criteria - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [6]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of their overdue records from the credit report [6]. Changes in Credit Information Display - There are two scenarios for the adjustment of overdue information based on the repayment date: 1. If debts are repaid by November 30, 2025, the overdue information will not be displayed from January 1, 2026 [8]. 2. If debts are repaid between December 1, 2025, and March 31, 2026, the information will be updated to reflect normal repayment status by the end of the following month [8]. Automatic Processing - The credit repair process is automatic, meaning individuals do not need to apply or provide documentation; the system will identify and process eligible overdue information starting January 1, 2026 [8][9]. - The People's Bank of China will also provide additional opportunities for individuals to check their credit reports for free in the first half of 2026 [8]. Educational and Remedial Focus - The credit repair policy is designed to provide a pathway for those who have made genuine efforts to correct their credit issues, emphasizing education and remediation rather than simply erasing negative records [9].