hiya. you credit rating will be affected in some way, depending on how the company works who you owe money too. the best way to find out is to log on to www.experian.co.uk" and www.equifax.co.uk and get your credit report. ideally every month. costs �2 pound a month for each report and you need one from each company per month. it lists all of your credit commitments and tells/explains you payment performance. these are the details lenders look at when you apply for something. hope this helps, cheers, ron