Central Bank Credit Repair Policy (Released on 2025.12.22), Simple Interpretation:

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1. Core Rules

· Time: Overdue from January 1, 2020 — December 31, 2025.

· Amount: Single overdue ≤ 10,000 yuan.

· Operation: Pay off by March 31, 2026.

2. Effective Date

· Paid off (before 2025.11.30): Records will be hidden starting January 1, 2026.

· Pending payment (from 2025.12.1 - to 2026.3.31): Hidden by the end of the month following payment.

3. Key Points

· Automatic Execution: Pay off and it will be processed automatically, no application needed.

· Completely Free: Any fee for assistance is a scam.

· Additional Benefits: In the first half of 2026, you can check your credit report for free 2 more times.

In summary: Before March 31, 2026, pay off any old overdue under 10,000, records will be automatically eliminated, don't waste your money.