You are going to need to contact either Experian or Equifax to obtain a credit report to have a look at your own finances. I suggest you partner obtains one as well. If you are financially linked when you apply for credit in your own name, lenders can make a decision about you by looking at your partners credit history and vice versa. A financial disassociation may be possible but you will need to settle all active joint accounts before this will even be considered.