The People's Bank of China (PBOC) issued implementing arrangements and a policy Q&A for a one-off credit repair policy under which the PBOC credit reporting system will no longer display certain qualifying small-value personal overdue credit information once the debt has been repaid in full by the specified deadline. The policy applies only to personal credit delinquencies shown in the PBOC credit reporting system that arose between 1 January 2020 and 31 December 2025, where the single overdue amount is no more than RMB 10,000 and the borrower repays in full by 31 March 2026 (inclusive). Eligible cases will be handled on an “automatic entitlement” basis with no application or supporting documents, and the PBOC noted that delinquencies arising in 2026 are excluded. In credit reports, the “repayment status” for covered items will be adjusted from overdue to normal and the “overdue amount” set to zero in both the summary and transaction-detail sections; items repaid by 30 November 2025 will stop being displayed from 1 January 2026, while items repaid between 1 December 2025 and 31 March 2026 will stop being displayed by the end of the following month. The PBOC also announced two additional free credit report queries per person in the first half of 2026 and reiterated warnings against paid “credit washing” services marketed by illegal intermediaries.
Central Bank of the Republic of China 2025-12-22
People's Bank of China implements one-off credit repair policy stopping display of personal delinquencies up to RMB 10,000 repaid by 31 March 2026
The People's Bank of China (PBOC) introduced a one-off credit repair policy, removing certain small-value personal overdue credit information from its reporting system once debts are fully repaid by 31 March 2026. This applies to delinquencies between 1 January 2020 and 31 December 2025, with amounts not exceeding RMB 10,000. The PBOC also offers two additional free credit report queries in early 2026 and cautions against illegal "credit washing" services.