You can be de-linked.
I expect you know this since you are into this stuff, but there is no reason for her to be liable for your credit history if you do not share debts. It's a matter of asking for the record to be changed.

My boyfriend also has no bank account. He has poor credit history and his earnings are way below the poverty line. I am all too aware of the trade off between eating/heating.
( crackhouseceilidhband Fuck off back to Mumsnet, Wed 24 Dec 2008, 10:45, 1 reply)

It's
(again) extremely difficult to be de-linked by all three, it's not simply a matter of 'asking' trust me. Indeed, I actually had to sue one of the bigger 2 before I could get them to agree to my abide by my legal right NOT to have my personal information given out in an automated search.

That, in fact, is another abuse of the system that they themselves set up.
(dchurch bah, Wed 24 Dec 2008, 10:53, closed)