“征信修复”灰黑产再起：多环节收费高至10%

Core Viewpoint - The implementation of personal credit repair policies in 2026 has created opportunities for overdue borrowers, but it has also attracted underground "credit repair" schemes that exploit vulnerable individuals [3][5]. Group 1: Policy Implementation and Exploitation - The personal credit repair policy allows for the removal of overdue records from 2020 to 2025 for amounts not exceeding 10,000 yuan if settled by March 2026 [5]. - Some intermediaries claim to "break through the 10,000 yuan limit" and offer complete credit repair, misleading borrowers and charging high fees [5][7]. - These intermediaries often use deceptive practices, such as fabricating documents and inducing borrowers to communicate with banks using specific scripts [7][9]. Group 2: Business Models of Intermediaries - Different intermediaries employ various business models, with some providing remote support and communication strategies to enhance borrower-bank interactions [8]. - Some intermediaries offer "one-stop services" that include debt consolidation and subsequent loan facilitation, claiming to negotiate better terms with banks [10][12]. - The fees charged by these intermediaries range from 2% to 10% of the total debt, with some charging based on the number of overdue records [15][16]. Group 3: Legal and Regulatory Concerns - The methods used by intermediaries to delete overdue records are often non-compliant and unlikely to succeed, as the credit repair process is fundamentally about correcting errors, not erasing valid records [9][19]. - Many intermediaries engage in fraudulent activities, such as instructing clients to submit false claims or documents, which can lead to legal repercussions [19][20]. - Contracts with these intermediaries often contain vague terms and high penalties for breach, making it difficult for clients to seek recourse [15][16]. Group 4: Recommendations for Addressing the Issue - Experts suggest a multi-faceted approach to combat these underground operations, including enhanced monitoring, public education on legitimate credit repair processes, and stricter regulations on social media platforms to prevent the spread of misinformation [22].