Energy suppliers have shortened the timeframe before reporting missed payments to the three major credit reference agencies.
The 30-Day Rule
Previously, some suppliers waited 60 to 90 days before registering a default. In 2026, most major providers report missed payments after just 30 days.
Protecting Your Score
If you are struggling with energy bills, contact your supplier immediately. Agreeing to a payment plan before a missed payment is recorded will protect your credit score.