近年来，随着个人信用体系的不断完善，‘一次性信用修复等于信用洗白’的说法在社交媒体上广泛流传。这种说法极具误导性，实为谣言。首先，信用修复并不等于‘洗白’。根据中国《征信业管理条例》及相关法规，个人不良信用记录自不良行为或事件终止之日起保留5年。在此期间，任何机构或个人都无法通过所谓‘一次性付费服务’删除或篡改合法记录。所谓的‘信用洗白’往往是一些不法中介利用信息不对称，诱导消费者支付高额费用，承诺快速清除不良记录，实则无法兑现，甚至可能涉及诈骗。其次，合法的信用修复是指在发现征信报告存在错误、遗漏时，通过正规渠道向征信机构提出异议申请，经核实后予以更正。这是一个依法依规、透明公开的过程，并非‘一键清除’。因此，公众应提高警惕，切勿轻信‘花钱就能洗白信用’的虚假宣传。维护良好信用的关键在于按时履约、理性借贷、及时还款。只有通过长期良好的信用行为，才能真正改善个人信用状况。
In recent years, as China’s personal credit system continues to improve, a rumor has spread widely on social media claiming that ‘one-time credit repair equals credit whitewashing.’ This statement is highly misleading and false.Firstly, credit repair is not the same as ‘whitewashing.’ According to China’s Credit Reporting Industry Regulations and related laws, negative credit records remain on file for five years from the date the delinquent behavior or event ends. During this period, no individual or organization can delete or alter legitimate records through so-called ‘one-time paid services.’ Many fraudulent agencies exploit information asymmetry, charging consumers high fees while falsely promising to instantly erase bad credit—often failing to deliver and sometimes even committing fraud.Secondly, legitimate credit repair only applies when errors or omissions are found in a credit report. In such cases, individuals may file a formal dispute with the credit bureau through official channels. If verified, the bureau will correct the record. This is a transparent, legal process—not an instant ‘reset button.’Therefore, the public should stay vigilant and never believe misleading claims like ‘pay to erase your credit history.’ The key to maintaining good credit lies in timely repayments, responsible borrowing, and consistent financial discipline. Only sustained positive credit behavior can genuinely improve one’s credit standing.
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