Simply enquiring about debt solutions will not affect your credit score. However, if you agree to debt help and sign up to a solution, this will. Almost all debt solutions, including DMPs, IVAs and DROs, will have an impact on your credit score. However, being indebted to your creditors will also be having a negative impact. If you have kept up with IVA or DMP repayments, this can be viewed more favourably than the original unpaid debt.