The answer will definitely be. Whether it's your dad or your loan, you both had good credit before, but you may not pay it back. Banks also investigate family situations. You can still get a loan from your family. If your family has a criminal record, if you are a bank, will you still issue loans? The money owed by my mother has never been paid back, and the reason why the bank didn't come to the door for debt collection is because the amount is not large at present, and it has not reached the level of the court for prosecution. But please believe that one day the court leaflet will be sent to your home, which will be an astronomical figure. After years of compound interest, the late payment fee may be as high as hundreds of thousands or even more. Banks have a professional team of lawyers to deal with people who deliberately owe money and don't pay it back. If you have a good attitude, scare first, then push. If you have a bad attitude, let it go for a few years. If the amount is not very large, you'd better pay it back as soon as possible.