Is my credit rating affected if I dont get a judgement?

Hi all
If I end up reducing my payments to the mortgage provider (on my terms) and they send letters demanding the correct higher payment etc but never actually take me to court for a judgement, then is my credit rating affected?
Basically I would be a partial defaulter for making poor repayments and breaking my agreement, but not full defaulting on the loan. Thanks

If you go to ICB.ie You can order a credit check for yourself You will then see how the lender is treating the repayments I thinkk it cost 6 euro.