Speaking to a free debt advice charity or a debt adviser does not usually affect your credit score, but the solution you choose might. Missing payments, using a debt management plan, or entering an IVA, debt relief order or bankruptcy can lead to adverse markers, which generally remain on your credit report for around six years, depending on the arrangement. Check your credit reports for accuracy and focus first on keeping priority bills up to date. A free, FCA-authorised or charitable debt adviser can explain the likely impact based on your circumstances.