Under normal circumstances, the personal credit records of employees who normally pay housing provident fund will be automatically eliminated after being kept in the credit report for 5 years. As mentioned above, the provident fund loan records will be automatically eliminated after 5 years. Therefore, under normal circumstances, the provident fund loan record is eliminated, but the specific time to eliminate it depends on the regulations of the local provident fund center. If it can be ruled out, there is only one case, that is, long deposit time and large account balance. At this time, applying for a provident fund loan and settling the loan cannot eliminate the bad record.