（文/陈济深 编辑/张广凯） 2026年初，社交平台上出现了一批特殊的"晒单"：有人贴出自己的征信报告截图，逾期账户数从2变成 了0。 这源于央行在2025年底推出的一次性信用修复政策——2020年至2025年期间产生的、单笔不超过1万元 的个人逾期信息，只要在2026年3月31日前还清，征信系统将自动不予展示。免申即享，不收费用，不 需要第三方代理。 这不是一次简单的技术调整。它背后是一个正在发生转向的行业命题：征信到底是用来惩罚人的，还是 可以用来帮助人的？ 过去几十年，无论中美，征信体系的主要功能都是"标记失信者"——记录谁违约了、谁没还钱，然后让 他们在贷款、租房、求职中承受代价。 区别在于，美国围绕这条"斩杀线"建起了一整套合法的商业生态，把失信者的每一寸剩余价值都榨干； 中国的央行征信系统则更偏行政管理，民间市场几乎空白，使得行业内充斥着黑灰产暴利收割。 央行这次破例出手，其实释放了一个清晰的信号：不希望征信成为普通人的"斩杀线"。 而更值得关注的是，在这项应急政策之外，行业层面也开始出现一种新的思考——征信服务能不能 从"惩罚失信"转向"帮助重建"，从卖分数转向帮人连接工作、住房和信贷机会？ 这 ...

Core Viewpoint - The rise of intermediaries claiming to offer "credit repair" services is exploiting the new credit repair policy, distorting its original intent and potentially leading to fraud and further credit issues for consumers [1][2][3] Group 1: Credit Repair Policy - The new policy allows for the removal of personal overdue information under 10,000 RMB if paid within a specified time, intended to give non-malicious defaulters a chance to restore their credit [2] - Some intermediaries are misusing this policy to charge fees for services that should be free, effectively turning a public right into a tradable commodity [2] Group 2: Risks of Intermediaries - Many intermediaries are using deceptive practices, claiming to have "internal channels" to remove bad credit records, but often delay or fail to deliver on their promises [3] - Consumers who fall for these scams risk financial loss and may miss the opportunity to address their credit issues through legitimate, free channels [3] Group 3: Need for Regulation - There is a pressing need for collaboration between financial institutions, healthcare, social security, and courts to verify suspicious credit dispute applications and identify forged documents [3] - Credit reporting agencies and financial institutions should proactively inform users about the free nature of legitimate credit repair options to counteract misleading claims from intermediaries [3] Group 4: Importance of Credit Integrity - The integrity of the social credit system should not be compromised by fraudulent "credit washing" businesses, as personal credit is essential for economic participation and should not be commodified [4]

良好的个人征信是现代社会经济生活的"通行证",今年1月1日,中国人民银行征信中心为特定的小额逾期 人群开辟了一条官方的"信用修复通道":对于单笔金额不超过1万元的个人逾期信息,在满足特定条件并还 清欠款后,将不再进行展示。 本来是帮助部分逾期人群重建信用的政策,却被一些不法分子盯上,成为敛财、诈骗的噱头。近期,网络平 台上涌现出大量打着"征信修复""征信洗白"旗号的中介,他们声称花几千块钱,就可以处理万元以下的小 额逾期,甚至能修复"超过1万元的逾期记录"。记者调查发现,这背后可能隐藏着一条从虚假宣传、伪造证 据到恶意申诉的灰色产业链。 声称能利用"规则漏洞" 消除不良征信记录 在各类社交平台和二手交易网站上,不少中介、商家开始把目光对准了1万元以上的逾期记录——"逾期 不可怕,专业团队帮你销户""征信异议申诉,百分百成功"……类似的广告语比比皆是,这些商家自称能够 利用所谓的"规则漏洞"消除不良征信记录。 记者以咨询者的身份联系了一位声称能处理"疑难杂症"的商家,对方表示自己所在的金融公司掌握"底层 逻辑"。 宣称可"洗白"逾期记录商家:"我们干了五年,这一行是从根本上解决你的征信问题。虽然说现在国家政策 ...

Core Viewpoint - The rise of intermediaries claiming to offer "credit repair" services is exploiting the recent policy changes aimed at helping individuals with minor credit delinquencies, distorting the original intent of the credit repair policy [1][3]. Group 1: Nature of the Problem - Numerous intermediaries are promoting services that falsely promise to erase small credit delinquencies and improve credit records, often using deceptive tactics [1][3]. - These intermediaries are taking advantage of the new credit repair policy, which allows for the removal of certain minor delinquencies from credit reports if paid within a specified timeframe [3]. Group 2: Legal and Ethical Concerns - The actions of these intermediaries represent a significant distortion of the credit repair policy's intent, turning a public service into a profit-making scheme [3][5]. - Engaging in fraudulent activities, such as submitting false documents for credit disputes, is a violation of the Credit Repair Management Measures and undermines the integrity of the credit system [3][5]. Group 3: Consumer Risks - Consumers are at risk of being misled by these intermediaries, which can lead to financial losses and missed opportunities to utilize legitimate, free credit repair options [4][5]. - A recent case highlighted by police illustrates how individuals claiming to have "internal channels" for credit repair can exploit consumer anxiety and information asymmetry [4]. Group 4: Recommendations for Improvement - To combat these fraudulent practices, collaboration between financial institutions, social security, and credit reporting systems is essential for verifying suspicious credit dispute applications [5]. - Credit reporting agencies and financial institutions should proactively inform eligible consumers about the free nature of legitimate credit repair options to counteract misleading claims from intermediaries [5].

央视网消息：良好的个人征信是现代社会经济生活的"通行证"，今年1月1日，中国人民银行征信中心为特定的小额逾期人群开辟了一条官 方的"信用修复通道"：对于单笔金额不超过1万元的个人逾期信息，在满足特定条件并还清欠款后，将不再进行展示。本来是帮助部分逾期人 群重建信用的政策，却被一些不法分子盯上，成为敛财、诈骗的噱头。近期，网络平台上涌现出大量打着"征信修复""征信洗白"旗号的中介， 他们声称花几千块钱，就可以处理万元以下的小额逾期，甚至能修复"超过1万元的逾期记录"。记者调查发现，这背后可能隐藏着一条从虚假 宣传、伪造证据到恶意申诉的灰色产业链。 声称能利用"规则漏洞"消除不良征信记录 所谓"征信修复"业务人员：你要把那个纸质版报告，要拍图片，先发给我，我要评估一下到底是哪个借贷机构，需要多长时间，什么费用。价 格高的是中介，价格低的是忽悠人的，可能价格区间在五千到八千，大体中位数在六千左右就没问题。 违规利用"征信异议申诉政策"实现非法目的 在调查采访中，记者发现，这些号称可以修复万元以上逾期记录的商家，大多是靠违规利用征信异议申诉政策来实现目的。 征信异议申诉，是当发现记录存在错误或存在非本人责任导致的逾期 ...

【揭秘征信修复乱象！#征信修复中介宣称能从央行删数据#[并不简单]】近期，网络平台上涌现出大量 打着"征信修复""征信洗白"旗号的中介，他们声称不仅能处理万元以下的小额逾期，更能修复"超过1万 元的逾期记录"。记者调查发现，这背后可能隐藏着一条从虚假宣传、伪造证据到恶意申诉的灰色产业 链。 在各类社交平台和二手交易网站上，不少中介、商家开始把目光对准了1万元以上的逾期记录——"逾期 不可怕，专业团队帮你销户""征信异议申诉，百分百成功"，类似的广告语比比皆是，这些商家自称能 够利用所谓的"规则漏洞"消除不良征信记录。记者以咨询者的身份联系了一位声称能处理"疑难杂症"的 商家，对方表示自己所在的金融公司掌握"底层逻辑"。"我们干了五年，我们这一行是从根本意义上解 决你的征信问题......"对方说。 @央广网 ...

央广网北京2月7日消息（总台中国之声记者周益帆）据中央广播电视总台中国之声《新闻纵横》报道，良好的个人征信是现代社会经济生活的"通行 证"。一个多月前，中国人民银行征信中心为特定的小额逾期人群开辟了一条官方的"信用修复通道"：对于单笔金额不超过1万元的个人逾期信息，在满足特 定条件并还清欠款后，将不再进行展示。本来是帮助部分逾期人群重建信用的政策，却被一些不法分子盯上，成为敛财、诈骗的噱头。 近期，网络平台上涌现出大量打着"征信修复""征信洗白"旗号的中介，他们声称不仅能处理万元以下的小额逾期，更能修复"超过1万元的逾期记录"。 记者调查发现，这背后可能隐藏着一条从虚假宣传、伪造证据到恶意申诉的灰色产业链。 记者发现，这些号称可以修复万元以上逾期记录的商家，大多是靠违规利用征信异议申诉政策来实现目的（相关截图） 在各类社交平台和二手交易网站上，不少中介、商家开始把目光对准了1万元以上的逾期记录——"逾期不可怕，专业团队帮你销户""征信异议申诉，百 分百成功"，类似的广告语比比皆是，这些商家自称能够利用所谓的"规则漏洞"消除不良征信记录。 有不少商家打着"法律咨询"的幌子诱导消费者添加征信修复业务人员（相关截图 ...

（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 Insights - The report highlights a significant increase in credit fraud risks in China's financial loan sector for 2025, with malicious fraud incidents rising by 200% compared to 2024, indicating a serious challenge for financial institutions [1][11][16]. Group 1: Overview of Credit Fraud Risks - In 2025, the total monitored financial loan-related public sentiment reached 6.8 million, with malicious loan fraud sentiment accounting for 1.89 million, representing 28% of the total [16][21]. - The top three types of malicious loan fraud in 2025 are corporate loans, credit loans, and housing loans, with public sentiment in these areas showing significant growth [26][27]. - The regions most affected by malicious loan fraud are Guangdong, Sichuan, Shandong, Jiangsu, and Zhejiang, with Guangdong showing the highest risk levels [34]. Group 2: Types of Fraud and Their Trends - The primary types of malicious loan fraud include occupational debt (37%), debt optimization, and credit repair, with occupational debt being the most critical risk type [29][30]. - The risk of credit repair fraud surged dramatically, with a year-on-year increase of 199% in the second half of 2025 compared to the same period in 2024 [38][43]. - The credit fraud industry has developed a clear division of labor, with upstream actors researching vulnerabilities, midstream actors coordinating resources, and downstream actors recruiting clients [49]. Group 3: Industry Response and Regulatory Actions - Financial institutions are continuously upgrading their anti-fraud defense systems in response to the evolving fraud landscape, while regulatory bodies are collaborating with law enforcement to combat black market activities [11][12]. - In 2025, over 200 major black market groups were targeted in crackdown operations, resulting in more than 1,500 criminal cases with a total amount involved nearing 30 billion [11][12].

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].