Yes indeed, we do not have this concept of credit score. And a company has the access to your account you allow them to have (via Direct Debit). An access you can shut down anytime, that bank must do it (this is usually via the web site) and then it becomes a problem between you and the company.

Same goes for a credit card, you can ask you ban for a reverse charge and disallow any further charges from that company.

This credit report thing is a real pain in the US/Canada, from what I see in various posts and comments.