ClearScore, the UK’s leading free credit score and credit marketplace, has revealed the true extent of some of the long-term benefits of extending payment holidays until the end of October.Put in place to support consumers, those taking payment holidays on loans, credit cards and mortgages could have faced an average drop of 104 points to their credit scores over the next three months had these schemes not been extended - potentially leaving millions of people with black marks against their credit histories.By the end of these six-month payment holidays in October, someone who would have been delinquent (unable to pay their bills) on their loans, credit cards and mortgage for six months, would have seen their credit score drop by a.