{"id":5467,"date":"2022-08-04T08:15:13","date_gmt":"2022-08-04T08:15:13","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=5467"},"modified":"2022-08-22T10:36:12","modified_gmt":"2022-08-22T10:36:12","slug":"direct-debits","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/banking\/direct-debits\/","title":{"rendered":"Do Direct Debits improve your credit score?"},"content":{"rendered":"\n<p>A Direct Debit is an agreement made with an organisation that means they can directly charge your bank account. Do direct debits improve your credit score? The short answer: Yes! But there are some caveats to be aware of.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/direct-debits\/#What_are_Direct_Debits\" >What are Direct Debits?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/direct-debits\/#Do_Direct_Debits_improve_your_credit_score\" >Do Direct Debits improve your credit score?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/direct-debits\/#Pitfalls_of_Direct_Debits\" >Pitfalls of Direct Debits<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/direct-debits\/#Trust\" >Trust<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/direct-debits\/#Unsteady_income\" >Unsteady income<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/direct-debits\/#Late_fees\" >Late fees<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/direct-debits\/#Improve_your_credit_score\" >Improve your credit score<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/direct-debits\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions.<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_Direct_Debits\"><\/span>What are Direct Debits?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Direct Debits are a way to set up recurring payments with an organisation, without that organisation having to rely on you setting up a standing order. It means that they can directly charge your current account. It is the third most popular payment method in the UK, after cash and debit card.<\/p>\n\n\n\n<p>Direct Debits were first introduced at Unilever in 1964, as a way to collect money from ice cream vendors. Unilever owns Wall\u2019s Ice Cream, so they were doing gangbusters. However, Unilever found themselves frustrated by constantly cashing all those cheques and setting up standing orders. It was much easier to agree with the vendors that Unilever could dip into their business accounts as and when, and so, the Direct Debit was born!<\/p>\n\n\n\n<p>As a side note, it\u2019s important to always keep your sort code, account number and other personal details a secret, because they can be used to set up Direct Debits in your name! <a href=\"https:\/\/www.theguardian.com\/money\/2008\/jan\/07\/personalfinancenews.scamsandfraud\">The television presenter Jeremy Clarkson found this out the hard way.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_Direct_Debits_improve_your_credit_score\"><\/span>Do Direct Debits improve your credit score?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Direct Debits can improve your credit score.<\/p>\n\n\n\n<p>Your credit score is really a measure of your reliability as a borrower. This is termed \u201ccreditworthiness\u201d. If you make repayments on time every month, this reflects well on you as a borrower.<\/p>\n\n\n\n<p>However, there are some caveats that you need to be aware of.<\/p>\n\n\n\n<p>First, just like writing a cheque, you need to make sure that there actually is money in your bank account to be debited. If you pay bills or rent via direct debit, always ensure the money is in your current account. If not, the bank could refuse the payment, or you may end up eating into your overdraft. Late payments and overdrawing are both bad for your credit score.<\/p>\n\n\n\n<p>What\u2019s more, Direct Debits are easy to cancel, far easier than other methods. However, cancelling a direct debit without prior warning to the bank or the people with whom the direct debit is set up could also negatively affect your credit score, since this can also cause you to miss payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pitfalls_of_Direct_Debits\"><\/span>Pitfalls of Direct Debits<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Trust\"><\/span>Trust<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you set up a Direct Debit with someone, you are effectively giving them the keys to your current account. Be sure that you trust the people with whom you have a Direct Debit!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Unsteady_income\"><\/span>Unsteady income<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you don\u2019t have a steady income stream, a Direct Debit might not be right for you. Because Direct Debits allow an organisation to take money directly from your bank account, they may end up having the request declined or eating into your overdraft. This could put you into debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Late_fees\"><\/span>Late fees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your Direct Debit is declined, you may end up having to pay late fees. This won\u2019t look good on your credit score, and it could mean you end up paying even more. The bottom line is to always <a href=\"https:\/\/www.check.co.uk\/blog\/budgeting-a-beginners-guide\/\">budget carefully<\/a> and ensure that you have the minimum amount required to pay your bills at the time you pay every month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Improve_your_credit_score\"><\/span>Improve your credit score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you\u2019ve made a blunder with your Direct Debit and damaged your credit reputation, don\u2019t panic. While it\u2019s certainly not good thing to damage your reputation, you can recover from it. <a href=\"https:\/\/www.check.co.uk\/register\">Sign up today with Credit-Score<\/a>. Credit-Score can give you the guidance you need to get your credit score back on track.<\/p>\n\n\n\n<p>Simply give us a bit of information, and right away we can give you pointers on how to fix your credit. A subscription to Credit-Score costs less than \u00a310 an month. The unique interface tells you exactly where your sticking points are.<\/p>\n\n\n\n<p>The 24-Factor Credit Check shows you six Factors composed of four Sub-Factors. Each of these factors is coloured green, yellow or red. Green indicates things you should keep doing, yellow indicates points of improvement, and red indicates points where you are falling behind. Reduce the amount of red Factors and watch your creditworthiness go up.<\/p>\n\n\n\n<p>If you\u2019re worried about your credit score, there\u2019s never been a better time to sign up with Credit-Score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"A Direct Debit is an agreement made with an organisation that means they can directly charge your bank account. Do direct debits improve your credit score? The short answer: Yes! But there are some caveats to be aware of.\n","protected":false},"author":19,"featured_media":5468,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[264,324,577,267],"tags":[899,897,578,896,893,894,895,582,898],"class_list":{"0":"post-5467","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-banking","8":"category-credit-basics","9":"category-credit-score","10":"category-current-accounts","11":"tag-billpayer","12":"tag-credit-repair","13":"tag-credit-score","14":"tag-credit-score-fix","15":"tag-direct-debit","16":"tag-direct-debits","17":"tag-fix-credit-score","18":"tag-improve-credit-score","19":"tag-pay-bills"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/07\/scott-graham-OQMZwNd3ThU-unsplash.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do Direct Debits improve your credit score? | Credit-Score<\/title>\n<meta name=\"description\" content=\"Do direct debits improve your credit score? 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