For CCJs and bank robberies, you'd upload a clean sheet from the government that gives a list of all CCJs and criminal convictions (in the UK we have a system called DBS for criminal records).

Potentially, with loans or other things, some kind of technical solution could work. You could have a personal document that you control, and you give permission for companies to write to the document.

With a loan, for example, if I give you a loan, I can also append to your document that I've loaned you the money; for every payment you make, I write to the log to say you've made a payment. If you stop making payments, I stop writing to the log. This would be cryptographically signed by me, so it can't be forged.

When you want to take out another loan, you can proactively share your document, the bank can see everything written on the log, and make a decision based on that.