DP recently confessed to a ton of secret debt.
We have separate finances, but had been looking at combining to purchase a house together. (Current house is in my sole name / my sole mortgage).
We will now not be buying a house together due to this debt. We have no joint accounts and our money is separate - though we live together and he contributes to the household / bills via monthly standing order.
However, when looking at houses, we did complete a Decision in Principle application together. (Which was, unsurprisingly, refused!)
He is now listed as a financial associate of mine on my credit rating. My credit rating still looks ok, but I'm wondering if this would affect my ability to remortgage / if there's anything I can do to remove it - given we don't actually share finances!