No one has answered yet so thought I would put this in here too in case someone can answer it!

[CAJ1]

http://www.theanswerbank.co.uk/Body-and-Soul/Q uestion724575.html

Thanks

[NoMercy]

If your boyfriend loves you he will understand. It's only fair you should tell him because if you do make a deeper commitment to each other in the future, and pool together your finances, he won't appreciate finding this out when trying to put several plans into place. If you tell him now, you will be able to think of alternative ways to get round the bad credit rating.

We all make mistakes, especially when we place our faith in other people. Your ex was obviously a bit of a rat, and I'm sure your new bf will understand when you explain all the circumstances. x x x

[CAJ1]

Thanks for your answer NoMercy. My ex was the scum of the earth, stayed with him for 5 years as I was too scared to leave, this is the last hurdle. I just have to tell my boyfriend so I can move on and I will tell him. I'm pretty sure he will understand but wanted to see what other people thought.

[ianfran]

in the event of repeating what you've already been advised, i completely agree with NoMercy, CAJ, but will add that 2 and half years is a long time to be together with your boyfriend and if he truly loves you, will stand by you on this matter to the end. you need to tell him why you did'nt mention this to him earlier as this will help him to understand. hopefully he won't be disappointed too much - who can tell - only hope - i wish you all the best, CAJ and hope it all works out good for you. explain your reasons and pick your moment well to tell him - don't tell him if he's had a bad day, for instance. us men can be very understanding if in a good mood and downright grumpy if were not!! good luck, hunni
:0) for you xi

[CAJ1]

Thank you ianfran x

[CAJ1]

It seems promising that a lot of people have said they would understand. I know I should have told him earlier. Coming out of this kind of relationship has had its problems, mainly mental which I think are worse than the physical ones. Having been told I am a failure for so long by my ex was terrible and I think telling my current boyfriend this is like admiiting that is what I am. Its hard to explain but I know in my head there are many reasons (not excuses) for why I haven't been able to tell him.