However, if you go to the same credit union for loan business again, it may have an impact. Because whether you can apply for a loan, in addition to whether you have a bad record in the credit information center, has a lot to do with the objective investigation and subjective judgment of the credit information personnel. Considering your father's breach of contract, the loan officer is likely to have an adverse impact on you when making a risk assessment, which in turn will affect your loan.

Therefore, if you want a loan, I suggest you change your institution, which may avoid this situation.