Detailed description:

1. According to the information given, the borrower's car loan and credit card repayment were overdue for four times in the past five years.

2. Credit records have an important impact on applying for loans, credit cards and other financial services. Overdue repayment will have a negative impact on credit records.

3. The borrower's credit record of overdue repayment for many times in the past five years is seriously damaged, and the possibility of unsealing is low.

4. The borrower may need to take actions to improve personal credit status, such as timely repayment and establishing a good credit record.

5. It takes time to unseal credit records, and usually borrowers need to show good repayment behavior and credit performance within a period of time.

Summary:

According to the information provided, it is difficult for borrowers who have experienced four overdue car loans and credit cards in five years to seal up their credit records. In order to improve the credit status, the borrower needs to establish a good credit record and repay the loan on time.

Extended data:

Credit record is an important basis for banks and other financial institutions to evaluate personal credit risk. Overdue repayment will have a negative impact on credit records, which will make borrowers face higher risks when applying for financial services such as loans and credit cards in the future. Therefore, maintaining a good credit record is very important for personal financial life.

Unsealing credit records usually requires borrowers to show good repayment behavior and credit performance within a period of time. Borrowers can actively take measures to improve personal credit status, such as timely repayment, reducing liabilities and avoiding multiple overdue. At the same time, establishing a good credit record is also an important way to improve personal credit status, including holding credit cards stably and repaying on time, and establishing a good repayment record.