AFAIK. The banks credit approval processes are private. If a bank were aware of a CU loan in arrears at a particular address, I suspect this would make them less likely to issue any future loan to a person at that address. I doubt the surname would matter. The question that would link you to the loan in arrears is more likely to be, "how long have you lived at that address"My partners mother is using our address for a credit union loan that is heavily in arrears . Does this have any consequence to ourselves?