今年伊始，一次性信用修复政策落地，你的个人信用报告更新了吗？ 在甘肃临夏州，东乡族群众马哈麦带着刚打印的征信报告，来到甘肃银行临夏分行准备办理个人住房贷 款。 "去年底我还不敢想贷款买房，因为我的个人信用报告上有好几笔逾期记录，今年这些已结清欠款的逾 期记录不再显示，我的房贷也有着落了。"马哈麦说。 不过，也有个别网友表示自己的信用报告没发生变化。记者了解到，享受此次政策需要符合一定条件： 近日，记者采访了解到，不少在规定时间内还清贷款的人发现个人信用报告已经更新，1万元以下逾期 记录已不在信用报告中显示。 "新年新气象，从信用报告更新开始！"在四川自贡做瓷砖生意的张先生告诉记者，2021年因为经营困 难，他的信用卡一度出现逾期，虽然额度不大且已结清，但因为有逾期记录他很难在银行获得贷款。今 年初，他惊喜地发现信用报告已经更新，逾期记录不再显示，"贷款资金有眉目了"。 去年12月，中国人民银行发布一次性信用修复政策，明确自2026年1月1日起，符合相关条件的逾期信 息，将不会在个人信用报告中予以显示。 这几天，已经有不少网友在社交平台上晒出了个人信用报告的"对比图"。 一位山西网友去年9月份的个人信用报告显示 ...

近日，记者采访了解到，不少在规定时间内还清贷款的人发现个人信用报告已经更新，1万元以下逾期 记录已不在信用报告中显示。 今年伊始，一次性信用修复政策落地，你的个人信用报告更新了吗？ "新年新气象，从信用报告更新开始！"在四川自贡做瓷砖生意的张先生告诉记者，2021年因为经营困 难，他的信用卡一度出现逾期，虽然额度不大且已结清，但因为有逾期记录他很难在银行获得贷款。今 年初，他惊喜地发现信用报告已经更新，逾期记录不再显示，"贷款资金有眉目了"。 去年12月，中国人民银行发布一次性信用修复政策，明确自2026年1月1日起，符合相关条件的逾期信 息，将不会在个人信用报告中予以显示。 这几天，已经有不少网友在社交平台上晒出了个人信用报告的"对比图"。 一位山西网友去年9月份的个人信用报告显示，她有2个账户发生过贷款逾期，但这两笔逾期贷款已分别 于2024年4月和2025年6月结清。2026年1月1日更新的报告则显示，贷款"发生过逾期的账户数"变为了"- -"，这表示此前2次逾期记录已不再显示。 在甘肃临夏州，东乡族群众马哈麦带着刚打印的征信报告，来到甘肃银行临夏分行准备办理个人住房贷 款。 "去年底我还不敢想贷款买房 ...

为帮助信用受损但积极履约还款的个人高效便捷重塑信用，中国人民银行于2025年12月22日对外发布一 次性信用修复政策，符合特定条件的个人逾期信息，将不再在个人信用报告中予以展示，为相关群体提 供信用修复的便利路径。 根据政策安排，对于2020年1月1日至2025年12月31日期间，单笔金额不超过1万元的个人逾期信息，个 人于2026年3月31日（含）前足额偿还逾期债务的，金融信用信息基础数据库（即央行征信系统）将不 予展示。其中：个人于2025年11月30日（含）前足额偿还逾期债务的，央行征信系统自2026年1月1日起 不予展示相关逾期信息；个人于2025年12月1日至2026年3月31日期间足额偿还逾期债务的，央行征信系 统于次月月底前不予展示相关逾期信息。比如，个人在2026年1月还清欠款，相关逾期信息在2月底前即 可展示为正常还款状态。 该政策主要有四方面适用条件：适用对象限定于个人在央行征信系统中展示的信贷逾期信息；适用时间 区间要求逾期信息产生于2020年1月1日至2025年12月31日期间；适用金额为单笔逾期金额不超过1万 元；适用前提是个人在2026年3月31日前足额偿还逾期债务。同时，政策不区 ...

"快看看你们的征信被修复了吗？我的被修复了""我的也修复了，2026年最值得开心的事情"……2026年元旦后，在社交平台上，不少用户晒 出了关于征信修复的报告截图。 个人逾期信息展示变化分两种情况 需注意"免申即享" 而这一信用修复则来源于央行元旦前出台的一次性信用修复政策。2025年12月22日，中国人民银行对外发布一次性信用修复政策有关安排， 符合相关条件的逾期信息，将不会在个人信用报告中予以展示。个人无需申请和操作，"免申即享"支持信用受损但积极还款的个人高效便捷 重塑信用。 "央行官宣的征信新规真的太香了。"一位网友如是称。多位业内人士对财联社记者分析，一次性信用修复政策为曾经失信的个人提供容错纠 正的机会，惠及2020年以来因失业、疾病等非主观因素导致小额逾期、且有还款意愿的群体，包括普通工薪族、小微企业主及个体工商户 等。 符合条件的逾期信息不再展示，将直接改善个人信贷申请的核心资质，房贷、消费贷的审批通过率有望提升，利率定价也将更贴近优质客户 标准，改变以往一次小额逾期终身受限的局面。 政策实施符合条件逾期消除 网友感叹政策落地之快 在别人跨年之际，北京的程女士坦言，1月1日，她蹲守查询了自己的 ...

2026年1月1日起，央行发布的一次性信用修复政策将正式生效——对于2025年11月30日（含）前个人已 足额偿还的符合条件的逾期信息，央行征信系统将不再展示；而个人于2025年12月1日至2026年3月31日 之间足额偿还的符合条件的逾期债务，征信系统于次月月底前不予展示。 自本次政策发布以来，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六大国有行等 已迅速响应，通过官方渠道发布答疑信息。在政策落地之际，南都·湾财社记者针对消费者集中关心的 还款要求、修复流程、征信影响等热点问题进行详细解读，助力消费者精准把握政策红利，顺利实现信 用重塑。 如何查询个人逾期信息是否符合一次性信用修复政策？ 本次信用修复政策不区分贷款机构、贷款类型，适用于个人名下的信用卡、房贷、消费贷等多种业务类 型，但个人需首先关注自己是否符合政策。如个人在2020年1月1日至2025年12月31日期间，存在单笔逾 期金额不超过1万元人民币的逾期欠款，且信贷逾期信息在金融信用信息基础数据库（中国人民银行征 信系统）中展示，个人可于2026年3月31日（含）前足额偿还逾期债务。符合上述条件的逾期信息，将 在征信系统中不予展示。 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy that allows eligible individuals with overdue credit information to have it removed from their credit reports without needing to apply or provide documentation, effective from January 1, 2026 [1][2]. Group 1: Policy Details - The policy applies to individuals with overdue credit information recorded in the People's Bank of China's credit system, specifically for overdue information generated between January 1, 2020, and December 31, 2025 [1]. - The overdue amount must not exceed 10,000 yuan for each instance, and individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of the overdue information from their credit reports [1]. - The credit repair process will be automatic, with the People's Bank of China identifying and processing eligible overdue information starting January 1, 2026 [1]. Group 2: Public Awareness and Fraud Prevention - The People's Bank of China emphasizes that the one-time credit repair policy is free of charge and does not require third-party agents; any solicitation for money or information under this policy is considered fraudulent [2]. - Individuals are encouraged to report any suspicious activities related to this policy to the People's Bank of China or local law enforcement [2].

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing certain overdue information to be excluded from personal credit reports [1][3]. Group 1: Policy Details - The policy applies to overdue information from January 1, 2020, to December 31, 2025, for individual overdue amounts not exceeding 10,000 yuan, provided that debts are fully repaid by March 31, 2026 [3]. - If individuals repay their overdue debts by November 30, 2025, the overdue information will not be displayed from January 1, 2026; if 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 [3][4]. - The policy does not differentiate between types of loans, such as credit cards, mortgages, or consumer loans, as long as the relevant conditions are met [3][4]. Group 2: Implementation Measures - The People's Bank of China has introduced three measures to ensure the policy is effectively communicated and reaches eligible individuals [6]. - A three-month grace period has been established, allowing individuals to repay overdue debts within this timeframe to qualify for the policy, extending to after the Spring Festival until March 31, 2026 [6]. - An additional two free credit report inquiries will be provided in the first half of 2026 to accommodate increased demand for credit report checks following the policy's implementation [6]. Group 3: Changes in Credit Reporting - The retention period for overdue information in the credit reporting system is five years, after which it will no longer be displayed [8]. - Following the policy's implementation, the "repayment status" for eligible overdue information will change from overdue to normal, and the overdue amount will be adjusted from a non-zero value to zero [8].

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy to help individuals efficiently restore their credit by removing certain overdue information from personal credit reports, thereby alleviating financial burdens and facilitating smoother economic activities [1][2]. Group 1: Policy Introduction - The credit repair policy aims to assist individuals who have experienced overdue debts due to uncontrollable factors like the COVID-19 pandemic, allowing them to restore their credit records after full repayment [2][3]. - The policy will take effect on January 1, 2026, and will automatically adjust overdue records based on repayment status, ensuring that qualifying overdue information will not appear in personal credit reports [2][3]. Group 2: Eligibility Criteria - The policy specifies three conditions for eligibility: overdue information must have occurred between January 1, 2020, and December 31, 2025; the overdue amount must not exceed 10,000 yuan; and the overdue debt must be fully repaid by March 31, 2026 [3]. Group 3: Policy Features - The policy emphasizes convenience with an "automatic enjoyment" feature, meaning individuals do not need to apply or visit branches; the credit system will automatically identify and process qualifying overdue information [4]. - As a supportive measure, the People's Bank of China will increase the number of free annual credit report queries from two to four, allowing individuals to verify their credit status without incurring costs [4]. - A three-month grace period is provided for individuals to settle their overdue debts, extending the deadline for repayment to March 31, 2026, which allows more individuals to benefit from the policy [4]. Group 4: Enforcement of Credit Integrity - The one-time nature of the policy reflects a strict enforcement of credit integrity, ensuring that individuals with outstanding debts are not eligible for credit repair, thus maintaining fairness in the credit system [5]. - Industry experts note that the policy does not weaken credit constraints but rather enhances the credit system's effectiveness while promoting inclusive financial development and improving access to financing for individuals [5]. Group 5: Overall Impact - The timely repair of personal credit is expected to strengthen the credit foundation, providing better support for individual development and economic participation [6].

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]

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy to help individuals efficiently restore their credit by removing overdue information from credit reports under specific conditions [3][4]. Group 1: Policy Introduction - The one-time credit repair policy aims to assist individuals who have experienced overdue debts due to uncontrollable factors like the COVID-19 pandemic, allowing them to rebuild their credit without the burden of past overdue records [3][4]. - The credit reporting system has collected information on 1.16 billion individuals, with 810 million having credit records, and an annual query volume of 6.58 billion times as of the end of November [3]. Group 2: Eligibility Criteria - The policy specifies that eligible overdue information must have occurred between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan, and the debt must be fully repaid by March 31, 2026 [4][5]. - The policy emphasizes convenience, allowing automatic adjustments without the need for individuals to apply or provide documentation, covering various types of debts [4][5]. Group 3: Implementation and Benefits - The policy includes a three-month grace period for individuals to settle their overdue debts, facilitating broader access and providing ample time for repayment [5]. - After the policy's implementation, overdue information will be updated in credit reports, changing the status from overdue to normal and reflecting the overdue amount as zero for those who repay their debts on time [6]. - The policy maintains a strict boundary by excluding those who have not settled their debts, ensuring the integrity of the credit system while promoting financial inclusivity [6].