Emma- hun i just want to say that while it's hard sometimes and lonely, it's the best thing i've ever done!
I moved out 5 weeks ago and i love it. Yes, Toby is older than you're daughter, but he's still hard work sometimes
I love being on my own and being able to raise the Toby the way I want to raise him.
Good luck hun... And as for the credit report, they dont check it in Vic so it must just be a state by state thing?