Your credit score can be improved if you are on bills ie electric or gas etc, at that address. Also the electoral roll. I take it you are on neither and you don’t have any proof you live there so if she decides one day she’s had enough she can call the police and throw you out? How do you prove you stay there? I’m not sure how that works. There is no equality in this situation. She just wants your money. No strings.
Clearly you think that she’s not that bad and that you can make things work. Although everyone on this thread is telling you she is using you and you are a mug.
She clearly doesn’t love you. Sorry. If you don’t know what love is there is a good description in the bible, 1 Corinthians 13 . (You don’t need to be religious to google it, or believe in some other stuff in there, it’s just really well put). It’s something like:
Love is patient, love is kind. It does not envy, it does not boast, it is not proud. It does not dishonour others, it is not self-seeking, it is not easily angered, and it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth.
Your relationship is not like that. You don’t love each other. Yes she clearly feels hurt by men in the past and that’s no crime, however to take her frustration on them out ON YOU by taking you for every penny you have is wrong. Who sends someone details of a homeless shelter?!
Get some pride and get your own place. Move out. See if she wants to carry on a relationship if you don’t spend money on her, only your time. I think we all know the answer to that. She isn’t interest in you. At all. She just wants her phone and your money.
Sorry but she’s using you for a lifestyle she can’t afford alone. Does she charge you for sex? If not I’d suggest it’s only a matter of time.
I’m sorry to be harsh but it is what it is. You are the only one who thinks this is a viable relationship. The rest of us see it more clearly being removed from the situation.