For the elimination of bad personal credit records, the following are four possible situations:

First, if the bad records have been for more than 5 years, according to the "Credit Industry Management Regulations" stipulates that the credit reporting agency shall delete it from the date the bad behavior ends. If a financial institution fails to comply within the prescribed time limit, it may face rectification or penalties.

Secondly, if an individual's bad record is due to the theft or fraudulent use of personal information, resulting in an overdue credit card or loan, then the police should be called immediately and go to the bank to submit a denial statement. Once the situation is confirmed, the bank will proceed to correct your bad record.

For special groups, such as war reporters, armed police, medical staff, etc. who are overdue due to emergencies, if you can provide proof from the relevant work unit, these institutions may consider adjusting your bad records. However, specific operations need to be based on the bank’s assessment and policies.

Finally, the information subject has the right to object if the bad record is due to errors by the bank or credit bureau. According to the "Credit Information Industry Management Regulations", if there are errors or omissions in the information, credit reporting agencies and information providers must verify and correct it.

In general, for these four situations, as long as the regulations are met and corresponding certificates are provided, individuals may apply to the bank to eliminate bad credit records. However, you will need to consult the official policy of your bank or credit bureau for specific circumstances.