Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy to assist individuals with damaged credit who are actively repaying their debts, allowing them to efficiently restore their credit status [1][2]. Group 1: Policy Overview - The one-time credit repair policy targets individuals with overdue credit information in the People's Bank of China credit system, specifically for overdue amounts not exceeding 10,000 RMB from January 1, 2020, to December 31, 2025 [1]. - Individuals who fully repay their overdue debts by March 31, 2026, will have their overdue records removed from the credit system [1]. Group 2: Implementation Details - The policy does not differentiate between types of loan institutions or credit business categories, operating on an "automatic enjoyment" basis without the need for application or fees [2]. - Overdue records will be processed in phases, with those repaying by November 30, 2025, having their records removed starting January 1, 2026, while those repaying between December 1, 2025, and March 31, 2026, will see their records removed by the end of the following month [2]. Group 3: Access and Support - The Qinghai branch of the People's Bank of China has launched a "credit convenience code" to help citizens easily access information about credit repair policies and services [2][3]. - This code provides comprehensive resources, including online credit report queries, offline query locations, and practical content on credit repair policies and rights [3]. - Citizens can utilize various channels to confirm whether their overdue information has been adjusted, with additional free credit report queries available during a specified period [2][3].