Yes, you should expect that your debt relief order will affect your credit score. Whether you have had one in the past or are looking to get one, it can affect your credit score. Additionally, this could make it more difficult to get credit in the future, as it stays on your file for 6 years. If your bank is listed as a creditor, your DRO adviser will contact your bank to let them know you have a debt relief order. In some cases, banks will check your bank account to see if you have been given a DRO. If the bank is included in your DRO application, the bank will then decide whether to freeze your bank account or, create a new account with them.