Will having an overdraft on a current bank account affect a Credit Score?

Bank accounts are not reported to the credit bureaus unless you never pay the overdraft bank and they send it to collections.

No if you always stay within your overdraft limit.

For a free credit report, check out

http://www.financecomparator.co.uk/creditreport.ht...

If it is an authorised overdraft then it wont, it will only affect the credit score if it is unauthorised or if you go over your overdraft

Not if you have an agreed overdraft limit.

No, not if the overdraft has been agreed and allowed by the bank.

your credit score is affected by whether you pay off credit on time. So if you dont pay it back when they say, it will affect it. If you do, then it wont.

so technically the answer is both yes & no

it can only add to your credit score unless you go over the overdraft limit.

No it doesn't if its an authorised overdraft, but if its unauthorised then it will.

Yes

Anything you do which is connected to finance can be recorded on your credit file

This includes both positive and negative reports

It must go to collections for it to be reported. If you pay it you will have no problems.