IWNL has said it will increase my Direct Debit by 50% from July

born_again

Browntoa said:

Credit score 

Actually pay more for it for not having a,direct debit 

Sounds like a, winning strategy 

Go ahead and do it 

Credit score means nothing.

It would be OP's Credit History that would be effected, as it would list a missed payment for each DD not paid & they might also incur a fee from water co for each missed payment.
That is something lenders see live on their systems & would have a massive effect on the chance of any credit.