He is likely to move in with me as he is currently renting. How would my credit rating/score be affected if I wanted to say get a new car or get a loan? My costs are likely to increase next year as I have two teenagers left at home and the first will be going to University next year.

My partner has an IVA that has been set up recently. We currently do not live together If we were to marry how would this affect me and his IVA.