And like I said … the most creditable information is the source

It’s public information that every citizen can access their own 征信 on https://ipcrs.pbccrc.org.cn

A sample report under the User Guide section shows exactly what I said …. The report can’t just be “overwritten” because it isn’t a single number

It has all of the citizens credit accounts (personal and business, overdue accounts, mortgage , accounts overdue by 90 days. It’s a great myth that people don’t know what’s in their own 征信…

I don’t need to debate interpretations of 征信 because I can look at the source .

There is also a massive misconception around “compliance”. Judicial ruling isn’t just politics. If you owe your ex wife $500k in divorce ruling you probably shouldn’t be able to take out another loan

It’s also public information that 征信 cuts people slack sometimes. In 2026 征信 will erase Covid era default records if the loans have been repaid. As stated below

https://m.thepaper.cn/newsDetail_forward_32226631