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If you are separated from your father, you are an independent citizen and his bad credit has nothing to do with you.

Your father's credit can be found in the personal loan departments of the People's Bank of China and commercial banks, which will definitely be detrimental to his future loans.

If you break up with your father, you are a completely independent free man. You can't find any bad credit records about you in the personal loan departments of China People's Bank and commercial banks, so it won't affect your future loans, including mortgage loans.