Confusing credit reports!

CL73

Hi there,

I don't know if I'm in the right place for posting this question, but here goes! I have recently moved in with my boyfriend and want to update my details with credit expert. The problem is I have substantial loans/credit card debt and have been refused credit in the past and don't want this to impact on my partner's credit history. If I change the address will it affect any future credit applications he makes? I have read the part about 'financial associations' but am still wary that my debt problems could become his if we share the same address.

Also, I have 2 credit cards that don't appear to be on my report (these reports are so complicated it could be just me not reading it properly!) I have just paid one card off so would like that to show on my report but I still owe a substantial amount on the other one so if it's not appearing on my report I'd like to keep it that way, although I have gone over the limit a couple of times I do pay off the minimum amount each month.

Can anybody advise me on what to do about these situations?

Many thanks

chevalier

as long as you don't get a joint account with your OH then i think his credit score is safe. Ref the 2 credit cards that don't appear on the report, they may use experien or the other credit reference agency hence why the cards are not showing up on credit expert
chev