（来源：千龙网） "逾期超过1万元也可申诉修复""单笔收费2000-3000元不等""可通过向银行或在征信系统申诉修复征 信"。网络平台上，不少中介打着征信修复的旗号揽客，抛出"橄榄枝"。 实际上，去年底央行就为小额逾期人群开辟了一条官方的"信用修复通道"。央行发布《关于实施一次性 信用修复政策的通知》，明确2026年1月1日起，个人信用修复政策实施，单笔金额不超过10000元人民 币的个人逾期信息在规定时间内还完将不在征信系统予以展示。 然而，阳光政策之下，一些打着"征信修复"旗号的中介，依然活跃在灰色地带。新京报记者调查发现， 当符合条件的小额逾期记录有了合规解决路径，大额逾期群体的焦虑却被中介盯上，衍生出一批宣称 能"申诉洗白"大额逾期的灰色服务，看似能解燃眉之急的"捷径"背后，藏着层层陷阱。 "借款人必须树立'信用修复无捷径'的观念，任何收费删除真实记录的承诺都是骗局。"针对此类现象， 苏商银行特约研究员武泽伟提醒道，对于不符合新政条件的大额逾期借款人，合规的信用重建只有一条 路径即全额还清欠款，并在之后保持长期、连续的诚信履约记录。他进一步解释，根据《征信业管理条 例》，从欠款还清之日起，该逾期记录 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals with overdue loan records of up to 10,000 yuan to have these records removed if they repay by March 31, 2026, in an effort to support those affected by the COVID-19 pandemic and to aid economic recovery [1][4]. Group 1: Policy Implementation - The policy was announced on December 22, 2025, and aims to assist individuals with damaged credit who have actively repaid their debts [1][4]. - Individuals who repay overdue debts by November 30, 2025, will have their overdue information not displayed from January 1, 2026, while those who repay between December 1, 2025, and March 31, 2026, will have their information removed by the end of the following month [4]. Group 2: Impact on Individuals - Many individuals have reported that their overdue records have been cleared, with some experiencing a complete removal of all overdue entries from their credit reports [2][3]. - For example, an individual who had 47 months of overdue records found that all were cleared, while another saw a reduction from 9 overdue records to 2 [2][3]. - The policy applies uniformly across different loan types and institutions, ensuring fairness and simplicity in the credit repair process [4].