The article points out that the introduction of a one-time credit repair policy has broken personal credit difficulties, provided an opportunity for fault-tolerant correction for individuals who have lost trust, and helped individuals and families to restore credit. What needs to be clarified, however, is that this policy is by no means a “whitewashing of credit information.” The New Deal loosens ties up those who have real difficulties but take the initiative to fulfill their contracts; it does not give the green light to those who have maliciously lost their trust. The current credit repair policy has strict application boundaries: it only covers overdue records within a specific period of time, under a certain amount, and that have been fully settled. This lays out a clear, rigid bottom line for the New Deal: any overdue records that have not yet been settled are not included in the scope of repair. This fundamentally eliminates the possibility of taking advantage — if someone owes large loans and is slow to repay, but can use policies to erase overdue records, this is not only unfair to those who perform on time, but it will also shake the foundation of the entire social credit system. A one-time credit repair policy does not mean that credit restrictions will be loosened.

The article points out that the introduction of a one-time credit repair policy has broken personal credit difficulties, provided an opportunity for fault-tolerant correction for individuals who have lost trust, and helped individuals and families to restore credit. What needs to be clarified, however, is that this policy is by no means a “whitewashing of credit information.” The New Deal loosens ties up those who have real difficulties but take the initiative to fulfill their contracts; it does not give the green light to those who have maliciously lost their trust. The current credit repair policy has strict application boundaries: it only covers overdue records within a specific period of time, under a certain amount, and that have been fully settled. This lays out a clear, rigid bottom line for the New Deal: any overdue records that have not yet been settled are not included in the scope of repair. This fundamentally eliminates the possibility of taking advantage — if someone owes large loans and is slow to repay, but can use policies to erase overdue records, this is not only unfair to those who perform on time, but it will also shake the foundation of the entire social credit system. A one-time credit repair policy does not mean that credit restrictions will be loosened.