Ive never bought anything on credit.I would be more worried about them screwing with my credit score.
And I don't think it would make any difference anyway. Years ago there was no such thing as a credit score and everyone managed to get credit, these Experian and other data mining companies only exist to frighten people into behaving themselves, if you have a Halifax account and that's the one that the DD was with, what's stopping you using your NatWest account when getting a credit score?