According to the People’s Bank of China’s official announcement, a one-time credit repair policy will remove records of overdue amounts under 10,000 yuan incurred between January 1, 2020 and December 31, 2025, if fully repaid by March 31, 2026. The centrally managed program begins in 2026 and aims to help individuals affected during the pandemic restore their credit histories. Technical implementation is handled within the central bank’s national credit system, including its Credit Reference Center.