People’s Bank of China clarifies one-off credit repair policy to stop displaying qualifying small personal delinquencies once repaid

The People’s Bank of China published a Q&A outlining how its one-off credit repair policy will apply in the central bank credit reporting system, under which certain personal credit delinquency records will be treated as not displayed once the overdue debt is fully repaid. Eligibility is limited to individuals’ credit delinquency information shown in the financial credit information basic database, where the delinquency arose between 1 January 2020 and 31 December 2025, the single overdue amount does not exceed CNY 10,000, and the debt is repaid in full by 31 March 2026. The policy is automatic with no application or supporting documents required. For qualifying items, the personal credit report will adjust the “repayment status” from overdue to normal and the “overdue amount” to zero, with corresponding updates reflected in both the information summary and credit transaction detail sections. Timing depends on when repayment is completed: delinquencies fully repaid by 30 November 2025 will not be displayed from 1 January 2026, while those repaid between 1 December 2025 and 31 March 2026 will be updated by the end of the following month. The central bank also stressed the policy is free of charge and does not involve third-party agents, and noted that individuals can review changes via standard credit report access channels or query issues through their lending institution or credit reporting service outlets.