A DRO will impact your credit record for a period of six years. This is because your credit report looks back over the past six years of your borrowing history. Therefore, a DRO will impact future credit applications that you make. When you apply for credit, companies look at your credit information to decide whether to lend to you. If you are applying for credit of £500 or more, you are obliged to tell the lender of your DRO.