Legal analysis: Yes, if the man's overdue record is in the last two years, and the overdue loan is not settled at present, his repayment ability will also be affected.

Legal basis: Article 1030 of the Civil Code of People's Republic of China (PRC) * * * The relationship between civil subjects and credit information processors such as credit reporting agencies shall be governed by the provisions of this part on the protection of personal information and the relevant provisions of other laws and administrative regulations.