Car finance PCH, not PCP = less impact?

cici71

For the last 6-7 yrs, i've had a car PCP contract (coming to the end of my 2nd one). The whole amount of the car loan sits on my credit file. I never have the intention of owing it at the end so am wondering if a PCH option is better? You don't have the option of keeping it so would this therefore mean the whole amount of the car does not sit as a loan on my credit file? The amount of the whole car is obviously a substantial amount and impacts on what I'm offered when re-mortgaging due to the 'affordability' calculation. 
For anybody saying not to have one at all then - I'm not in a position to suddenly just buy a car (even a car that's 6 yrs old) and no point in taking a loan for a cheaper car as that defeats the object. I can easily afford the monthly continuation of a new PCP/PCH , it's just the whole car amount sitting on my file that affects me so just wondering if PCH is the answer :-) thank you