Your Next Date Wants To Know Your Credit Score

DMZ_1

Found this interesting article in today's New York Times (http://www.nytimes.com/2012/12/26/business/even-cupid-wants-to-know-your-credit-score.html?_r=0).

Here are some good quotes from the article....

"It’s difficult to quantify how many daters factor credit scores into their romantic calculations, but financial planners, marriage counselors and dating site executives all said that they were hearing far more concerns about credit than in the past."

"Dating someone with poor credit can have real implications. Banks remain wary of making loans to borrowers with tarnished scores, typically 660 and below; the best scores range from 800 to 850, and scores above 750 are considered good. A low score could quash dreams of buying a house, and result in steep interest rates, up to 29 percent, for credit cards, car financing and other unsecured loans. "

Do you care about your date's credit score (assuming a relationship of substance more than an FWB)? Are there any other financial status metrics that you care more about?

To me, net worth is the one that matters most. For example, if there's a 25 year old woman who is unemployed, but she has $5 million to her name, including no debt, that looks pretty good to me.

kristen6022

Well, I have a very high credit score (814 baby!) but my boyfriend has no credit at all. I mean, other than a college loan 10 years ago he's never borrowed money - so he has a credit score of 0. And in loan terms, he might as well have went bankrupt 4 times, he'd have an easier time borrowing money.

I think as long as you stay smart (don't cosign, don't lend money, etc), dating someone with less than perfect credit won't affect you unless you get married and share expenses.

dbrightwell1270

While I am dating I pay attention to spending habits. I have a few friends and family members who've been shipped to the poor house by a partner who spent out of his/her means. I was on a date once where we started talking about Las Vegas (I go 4 or 5 times a year). She asked me where I stayed and after I told her, she said if we were to go together we'd have to stay at nicer places. The places she mentioned cost more per night than I usually pay for 2 two or three-day weekend trips. She was a teacher so her income didn't support that type of luxury. I mentally checked out of the date right there.

Mellie289

Spending habits are really important. I am unwilling to take on a partner with consumer debt. If someone can't live within (or more to the point, below) his means, we aren't compatible. I don't need to know someone's credit score to determine this. I can tell from how he lives and how he spends money when we're together. It might eventually come up that he has student loans, but that is an understandable debt to me. Credit card debt isn't since I require my partner to have become financially stable and responsible for his money (this is by the age of 40 - things might have been different in my 20s).

To me, net worth is the one that matters most. For example, if there's a 25 year old woman who is unemployed, but she has $5 million to her name, including no debt, that looks pretty good to me.

This seems kind of an extreme and unlikely example of someone you might meet. However, a 25 year old woman with $5 million to her name probably has a certain lifestyle she's accustomed to that, I think, the average guy couldn't really keep up with to woo her. Those are going to be some mighty expensive dinners to take her out to. No offense meant, but I don't think you'd look pretty good to her unless you have a net worth to at least match hers. We all know that men need to make more money than women to be desirable, right?

What about a woman who is 25 years old, unemployed, and no debt with some money of unknown amount to her name? I mean, you don't put on your OKC profile your bank balance or total investments anyway, so it's unlikely you'd know how much money this unemployed woman would have. Does she still live at home too? It could be a very long time dating someone before you get a truly good idea of their real net worth.

DMZ_1

Spending habits are really important. I am unwilling to take on a partner with consumer debt. If someone can't live within (or more to the point, below) his means, we aren't compatible. I don't need to know someone's credit score to determine this. I can tell from how he lives and how he spends money when we're together. It might eventually come up that he has student loans, but that is an understandable debt to me. Credit card debt isn't since I require my partner to have become financially stable and responsible for his money (this is by the age of 40 - things might have been different in my 20s).

To me, net worth is the one that matters most. For example, if there's a 25 year old woman who is unemployed, but she has $5 million to her name, including no debt, that looks pretty good to me.

This seems kind of an extreme and unlikely example of someone you might meet. However, a 25 year old woman with $5 million to her name probably has a certain lifestyle she's accustomed to that, I think, the average guy couldn't really keep up with to woo her. Those are going to be some mighty expensive dinners to take her out to. No offense meant, but I don't think you'd look pretty good to her unless you have a net worth to at least match hers. We all know that men need to make more money than women to be desirable, right?

What about a woman who is 25 years old, unemployed, and no debt with some money of unknown amount to her name? I mean, you don't put on your OKC profile your bank balance or total investments anyway, so it's unlikely you'd know how much money this unemployed woman would have. Does she still live at home too? It could be a very long time dating someone before you get a truly good idea of their real net worth.

Yes Mellie, I intentionally used an unlikely example. But if that unlikely example is just sitting on family wealth, conservatively managing existing family money so that she never has to have a typical job, I'm good with that. And if she doesn't expect a guy to have a net worth that matches hers, that'd be sweet. But your ultimate point is correct. That girl would likely want someone richer than she is.

Spending habits are important.

Carl01

I have no desire to know a persons credit score specifically as ones FICO can be arbitrarily affected by meaningless nonsense such as shopping around for car insurance which generates a credit request.

If they did have a very unsettling credit history then it would be a concern and one of those need to feel things out situations.

farmers_daughter

Oh my Lord. That's about all I can say.
This truly tells me how different the world is out there.
Sometimes on this forum I think that wow, I am really really "sticks" (aka redneck, live in the boondocks, out in the middle of nowhere...etc.) compared to everyone else.
Yes I'll do a background check, the free one, pretty harmless.... that tells me if my date is gonna assault me, rob me, commit a sexual offense with me, or what the hey....kill me.

But my jaw drops to think that this thought of connecting dating.....with a credit score....or how much someone's net worth is.
I do consider myself pretty intelligent but wow, how nit picky can someone be......(first not pointing that at anyone, just a generalization) (and second, I know I'll slap myself first, I've posted some pretty petty and stupid stuff on here)

Yes stay away from the guys that have a shiny new truck, a house/rent payment over $600, a garage full of new tools, and talks about how he's gonna get a boat, and a blah blah blah.... because his isn't new, shiny, or BIG enough.....
Tough times don't last, tough people do.
To me those tough people are the ones driving the 7 year old vehicle that is 4 payments away from being OWNED, tough people are those that pay $450 for rent, because they know they aren't ready for home ownership and all it entails yet....

I guess to me, around here....there isn't a net worth.....there are two ways of life..... "your bills are paid" and "your bills aren't paid" If you have a little saved in the bank, it sure in the hell isn't going to be much.

To me, your commonsense and toughness through the "thick" times in life....are what would nail you a date with me.

MissingMinnesota

Back in the day I worked in sub-prime mortgage. Once I told guys what I did they would always respond with "well maybe you can help me get a mortgage" I would reply back with "well I only work with people with poor credit". This was always a test and most guys failed depending on their reponses. Actually had one guy tell me he had a sub 600 score.

Also for the guy with the 0 credit score he could still get a mortgage by showing un-traditional tradelines like car insurance, phone bill, anything they pay monthly and is looked upon more favorably then someone with a 610 score.

I have no desire to know a persons credit score specifically as ones FICO can be arbitrarily affected by meaningless nonsense such as shopping around for car insurance which generates a credit request.

That has little effect on credit score, usually max 10pts, but if you have a multiple credit inquires within a couple days it doesn't affect your credit score if the inquires are all for the same type of credit ie car loan.

kristen6022

Back in the day I worked in sub-prime mortgage. Once I told guys what I did they would always respond with "well maybe you can help me get a mortgage" I would reply back with "well I only work with people with poor credit". This was always a test and most guys failed depending on their reponses. Actually had one guy tell me he had a sub 600 score.

Also for the guy with the 0 credit score he could still get a mortgage by showing un-traditional tradelines like car insurance, phone bill, anything they pay monthly.

I have no desire to know a persons credit score specifically as ones FICO can be arbitrarily affected by meaningless nonsense such as shopping around for car insurance which generates a credit request.

That has little effect on credit score, usually max 10pts, but if you have a multiple credit inquires within a couple days it doesn't affect your credit score if the inquires are all for the same type of credit ie car loan.

He can get a loan - it's just the interest rate is through the roof. He tried to get a car over the summer and the interest rate they were giving him on a 2005 Honda was 24%. If I went in right now I could easily get one around 3 or 4%. Hence why he has no car...

dbrightwell1270

Back in the day I worked in sub-prime mortgage. Once I told guys what I did they would always respond with "well maybe you can help me get a mortgage" I would reply back with "well I only work with people with poor credit". This was always a test and most guys failed depending on their reponses. Actually had one guy tell me he had a sub 600 score.

Also for the guy with the 0 credit score he could still get a mortgage by showing un-traditional tradelines like car insurance, phone bill, anything they pay monthly.

I have no desire to know a persons credit score specifically as ones FICO can be arbitrarily affected by meaningless nonsense such as shopping around for car insurance which generates a credit request.

That has little effect on credit score, usually max 10pts, but if you have a multiple credit inquires within a couple days it doesn't affect your credit score if the inquires are all for the same type of credit ie car loan.

He can get a loan - it's just the interest rate is through the roof. He tried to get a car over the summer and the interest rate they were giving him on a 2005 Honda was 24%. If I went in right now I could easily get one around 3 or 4%. Hence why he has no car...

Was that through a bank? If so, he should shop around. There is one bank here that rejected me for an auto loan because I didn't have sufficient credit history regarding revolving debt. Never mind that I was paying student loans, (at the time I had a balance on a credit card too). Another bank approved me for a loan at 5.4% (which was reasonable at the time).

Edit: My overall credit score at the time was borderline good/excellent too.

kristen6022

Back in the day I worked in sub-prime mortgage. Once I told guys what I did they would always respond with "well maybe you can help me get a mortgage" I would reply back with "well I only work with people with poor credit". This was always a test and most guys failed depending on their reponses. Actually had one guy tell me he had a sub 600 score.

Also for the guy with the 0 credit score he could still get a mortgage by showing un-traditional tradelines like car insurance, phone bill, anything they pay monthly.

I have no desire to know a persons credit score specifically as ones FICO can be arbitrarily affected by meaningless nonsense such as shopping around for car insurance which generates a credit request.

That has little effect on credit score, usually max 10pts, but if you have a multiple credit inquires within a couple days it doesn't affect your credit score if the inquires are all for the same type of credit ie car loan.

He can get a loan - it's just the interest rate is through the roof. He tried to get a car over the summer and the interest rate they were giving him on a 2005 Honda was 24%. If I went in right now I could easily get one around 3 or 4%. Hence why he has no car...

Was that through a bank? If so, he should shop around. There is one bank here that rejected me for an auto loan because I didn't have sufficient credit history regarding revolving debt. Never mind that I was paying student loans, (at the time I had a balance on a credit card too). Another bank approved me for a loan at 5.4% (which was reasonable at the time).

Edit: My overall credit score at the time was borderline good/excellent too.

You name it, he was denied from it. I think it was Honda Financial that finally agreed to do the 24% loan. We tried banks and credit unions too with no avail. What's sad about that is that he did nothing to deserve it, other than living within his means and not using credit cards...

MaraDiaz

He can have my credit score when I get to run a full criminal background check on his *kitten*.

Jeez dating is getting complicated. Doesn't anybody ever just wanna throw down anymore?

dbrightwell1270

Jeez dating is getting complicated. Doesn't anybody ever just wanna throw down anymore?

I didn't think that was "dating."

dbrightwell1270

You name it, he was denied from it. I think it was Honda Financial that finally agreed to do the 24% loan. We tried banks and credit unions too with no avail. What's sad about that is that he did nothing to deserve it, other than living within his means and not using credit cards...

One of those ridiculous situations where being an unknown is worse than being known as a risk. He can always open a credit card acct. Make one purchase a month on it and pay it off. After about 4 months, he'll have some credit history. The interest rate on the car may be down to 15% by then.

MaraDiaz

Jeez dating is getting complicated. Doesn't anybody ever just wanna throw down anymore?

I didn't think that was "dating."

Of course according to another thread, you're right. I'm supposed to make him buy me all kinds of stuff first. That way I'm not 'easy'. I'm..difficult?

So confusing!

christine24t

The only money I've borrowed is for college loans and I'm ahead on my payments. I don't have a credit card. So I probably don't have a credit score right?

MikeM53082

As someone with a credit score in the upper 700's, I think dating a fiscally responsible women is a definite must. However, I don't think I'd have the gall to ask her on a date what her credit score is. After two or three dates, I can usually size up the woman and get a good idea on how good she is with money. If she's driving a Benz, and bounces from roommate to roommate and job to job.. I have a feeling she might not be the most responsible person.

I think it's crazy that some people don't have a credit score. I've had a credit card since I was 18, student loans, car loans, etc etc. If you don't have a credit score, there's very little chance you'll qualify for a mortgage when you want to buy a house. Developing a good credit history is very, very important.

zachatta

lol

wow

I guess my answer is biased simply because after my previous marriage my credit score has become ****, regardless I think that if you find someone on the right track, judging them by a credit score is a little..........petty?

That being said maybe I am biased.

kristen6022

As someone with a credit score in the upper 700's, I think dating a fiscally responsible women is a definite must. However, I don't think I'd have the gall to ask her on a date what her credit score is. After two or three dates, I can usually size up the woman and get a good idea on how good she is with money. If she's driving a Benz, and bounces from roommate to roommate and job to job.. I have a feeling she might not be the most responsible person.

I think it's crazy that some people don't have a credit score. I've had a credit card since I was 18, student loans, car loans, etc etc. If you don't have a credit score, there's very little chance you'll qualify for a mortgage when you want to buy a house. Developing a good credit history is very, very important.

My boyfriend was taught growing up to avoid credit cards and debt. So, he took it literally. He sees the error of his ways now and he's following my "get good credit" instructions but it's gonna be a good year before he's qualified for a decent loan of any kind. I too had a credit card at 18 and have been slowly building it up. At this point I could get a loan for what ever I want. I don't think he was being fiscally irresponsible, he just never needed credit...

Christine, I advise that you get a credit card, buy something, wait for the bill, pay it in full, then shower, rinse, repeat! By the time you are my age (34) you'll thank me!

MikeM53082

As someone with a credit score in the upper 700's, I think dating a fiscally responsible women is a definite must. However, I don't think I'd have the gall to ask her on a date what her credit score is. After two or three dates, I can usually size up the woman and get a good idea on how good she is with money. If she's driving a Benz, and bounces from roommate to roommate and job to job.. I have a feeling she might not be the most responsible person.

I think it's crazy that some people don't have a credit score. I've had a credit card since I was 18, student loans, car loans, etc etc. If you don't have a credit score, there's very little chance you'll qualify for a mortgage when you want to buy a house. Developing a good credit history is very, very important.

My boyfriend was taught growing up to avoid credit cards and debt. So, he took it literally. He sees the error of his ways now and he's following my "get good credit" instructions but it's gonna be a good year before he's qualified for a decent loan of any kind. I too had a credit card at 18 and have been slowly building it up. At this point I could get a loan for what ever I want. I don't think he was being fiscally irresponsible, he just never needed credit...

Christine, I advise that you get a credit card, buy something, wait for the bill, pay it in full, then shower, rinse, repeat! By the time you are my age (34) you'll thank me!

Get that boy a credit card and a charge card at Macy's. Keep a low balance and make your payments each month. It's going to take some time, but he'll build good credit.

kristen6022

As someone with a credit score in the upper 700's, I think dating a fiscally responsible women is a definite must. However, I don't think I'd have the gall to ask her on a date what her credit score is. After two or three dates, I can usually size up the woman and get a good idea on how good she is with money. If she's driving a Benz, and bounces from roommate to roommate and job to job.. I have a feeling she might not be the most responsible person.

I think it's crazy that some people don't have a credit score. I've had a credit card since I was 18, student loans, car loans, etc etc. If you don't have a credit score, there's very little chance you'll qualify for a mortgage when you want to buy a house. Developing a good credit history is very, very important.

My boyfriend was taught growing up to avoid credit cards and debt. So, he took it literally. He sees the error of his ways now and he's following my "get good credit" instructions but it's gonna be a good year before he's qualified for a decent loan of any kind. I too had a credit card at 18 and have been slowly building it up. At this point I could get a loan for what ever I want. I don't think he was being fiscally irresponsible, he just never needed credit...

Christine, I advise that you get a credit card, buy something, wait for the bill, pay it in full, then shower, rinse, repeat! By the time you are my age (34) you'll thank me!

Get that boy a credit card and a charge card at Macy's. Keep a low balance and make your payments each month. It's going to take some time, but he'll build good credit.

He is already. He's never had someone to give him sound credit advice, but we chose Kohls instead of Macy's but yes, we are doing that exact thing. The next thing is to aim larger (Discover, Visa, etc), but he needs to get used to this one first. Baby steps, he'll get there!

MissingMinnesota

As someone with a credit score in the upper 700's, I think dating a fiscally responsible women is a definite must. However, I don't think I'd have the gall to ask her on a date what her credit score is. After two or three dates, I can usually size up the woman and get a good idea on how good she is with money. If she's driving a Benz, and bounces from roommate to roommate and job to job.. I have a feeling she might not be the most responsible person.

I think it's crazy that some people don't have a credit score. I've had a credit card since I was 18, student loans, car loans, etc etc. If you don't have a credit score, there's very little chance you'll qualify for a mortgage when you want to buy a house. Developing a good credit history is very, very important.

My boyfriend was taught growing up to avoid credit cards and debt. So, he took it literally. He sees the error of his ways now and he's following my "get good credit" instructions but it's gonna be a good year before he's qualified for a decent loan of any kind. I too had a credit card at 18 and have been slowly building it up. At this point I could get a loan for what ever I want. I don't think he was being fiscally irresponsible, he just never needed credit...

Christine, I advise that you get a credit card, buy something, wait for the bill, pay it in full, then shower, rinse, repeat! By the time you are my age (34) you'll thank me!

Get that boy a credit card and a charge card at Macy's. Keep a low balance and make your payments each month. It's going to take some time, but he'll build good credit.

It is actually worse for your credit to pay it off every month then to keep a small balance. I know it is crazy but it is.

Mellie289

Oh my Lord. That's about all I can say.
This truly tells me how different the world is out there.
Sometimes on this forum I think that wow, I am really really "sticks" (aka redneck, live in the boondocks, out in the middle of nowhere...etc.) compared to everyone else.
Yes I'll do a background check, the free one, pretty harmless.... that tells me if my date is gonna assault me, rob me, commit a sexual offense with me, or what the hey....kill me.

But my jaw drops to think that this thought of connecting dating.....with a credit score....or how much someone's net worth is.
I do consider myself pretty intelligent but wow, how nit picky can someone be......(first not pointing that at anyone, just a generalization) (and second, I know I'll slap myself first, I've posted some pretty petty and stupid stuff on here)

Yes stay away from the guys that have a shiny new truck, a house/rent payment over $600, a garage full of new tools, and talks about how he's gonna get a boat, and a blah blah blah.... because his isn't new, shiny, or BIG enough.....
Tough times don't last, tough people do.
To me those tough people are the ones driving the 7 year old vehicle that is 4 payments away from being OWNED, tough people are those that pay $450 for rent, because they know they aren't ready for home ownership and all it entails yet....

I guess to me, around here....there isn't a net worth.....there are two ways of life..... "your bills are paid" and "your bills aren't paid" If you have a little saved in the bank, it sure in the hell isn't going to be much.

To me, your commonsense and toughness through the "thick" times in life....are what would nail you a date with me.

While I also am wary of someone with lots of new toys and agree with a difference in living comfortably below one's means versus struggling pay check to pay check, I don't think you can make these generalizations - you need to look at everyone's individual situation. My boyfriend's best friend is the kind of guy who is totally into buying new gadgets (electronics, a car, etc.) - he is single, gets paid a great deal of money and has lots of money to spend while still living below his means. A single guy in his 40s who has never been married and has no children, earning a good wage can spoil himself in these ways since he's not paying for dance lessons and hockey equipment and pouring money into a couple college funds. I bought a condo myself (much more than $600/month because of where I live) but my monthly housing costs are now less than they would be if I was still renting because I had a reasonable amount to put down for the deposit. I planned to own my last car (which had been paid off for another decade), but it got totaled and I had to get a newer one. Not everyone owns a new vehicle because they are acting on the impulse to buy a shiny new car or truck.

Yes, times are tough, but that doesn't mean it's tough times for everyone. I guess if you only date men who don't make a lot of money, this might make sense.

MissingMinnesota

lol

wow

I guess my answer is biased simply because after my previous marriage my credit score has become ****, regardless I think that if you find someone on the right track, judging them by a credit score is a little..........petty?

That being said maybe I am biased.

Why would wanting to date someone that is financially sound considered petty? I have good credit, live within my means and would like to have a partner that does the say. There is always an exception to the rule but I don't think it is a petty reason at all.

farmers_daughter

I was 29 years old when I got my first credit card, becuase I hated the theory/fact/thought of them. If you don't have the cash, don't buy it.
My credit score used to be in the 500's (yes, I'm terribly bitter of how I let another person run my finances into the ground but nonetheless.....) when I got the credit card, my score was low 600's, everything was paid off, my car payment paid on time with a good old fashioned paper check every month, I had ABSOLUTELY no debt. None, not a dime didn't owe anyone a dollar from the vending machine. Still low 600's.
I used the credit card a few times, and when I went to purchase my blazer this past June 2012. I bout fell out of my chair when the guy told me the interest rate....... my credit score went up over 100 points. You do the math, I'm 30 1/2 now.

That in it's self is wrong....very very very very very very wrong. I hate it, I use them occasionally, but I'm freak freakishly anal about having the payment in before the due date. It's like a paranoia. But it got me from 17.9% interest on my last blazer to like 7% on this one. HUGE difference.

Anyway...credit cards to me are still evil. :explode: :bigsmile:

Mellie289

I think it's crazy that some people don't have a credit score. I've had a credit card since I was 18, student loans, car loans, etc etc. If you don't have a credit score, there's very little chance you'll qualify for a mortgage when you want to buy a house. Developing a good credit history is very, very important.

When someone, even with good financial history, including home ownership, loan and credit card repayment, moves to the USA, they have no credit score either. It's a long difficult process to build it up, especially as opening new lines of credit work against your FICO score. Having gone through this myself, I wouldn't expect anyone recently arriving in the USA to have a good credit score either - not for at least 5 years since setting up a bank account and getting a credit card.

jenbit

lol

wow

I guess my answer is biased simply because after my previous marriage my credit score has become ****, regardless I think that if you find someone on the right track, judging them by a credit score is a little..........petty?

That being said maybe I am biased.

Why would wanting to date someone that is financially sound considered petty? I have good credit, live within my means and would like to have a partner that does the say. There is always an exception to the rule but I don't think it is a petty reason at all.

True but in alot of cases divorce completely screws your credit score. Just the act of divorce itself can drag your score down

MissingMinnesota

lol

wow

I guess my answer is biased simply because after my previous marriage my credit score has become ****, regardless I think that if you find someone on the right track, judging them by a credit score is a little..........petty?

That being said maybe I am biased.

Why would wanting to date someone that is financially sound considered petty? I have good credit, live within my means and would like to have a partner that does the say. There is always an exception to the rule but I don't think it is a petty reason at all.

True but in alot of cases divorce completely screws your credit score. Just the act of divorce itself can drag your score down

And that might be an exception to the rule if someone had a long drawn out divorce but I have seen enough divorced peoples credit in my 10+ years of looking at credit that it doesn't always drag it down.

You have to understand that I spend 8+ hours a day judging people on their credit. It is going to roll over into my personal life.

Carl01

As someone with a credit score in the upper 700's, I think dating a fiscally responsible women is a definite must. However, I don't think I'd have the gall to ask her on a date what her credit score is. After two or three dates, I can usually size up the woman and get a good idea on how good she is with money. If she's driving a Benz, and bounces from roommate to roommate and job to job.. I have a feeling she might not be the most responsible person.

I think it's crazy that some people don't have a credit score. I've had a credit card since I was 18, student loans, car loans, etc etc. If you don't have a credit score, there's very little chance you'll qualify for a mortgage when you want to buy a house. Developing a good credit history is very, very important.

My boyfriend was taught growing up to avoid credit cards and debt. So, he took it literally. He sees the error of his ways now and he's following my "get good credit" instructions but it's gonna be a good year before he's qualified for a decent loan of any kind. I too had a credit card at 18 and have been slowly building it up. At this point I could get a loan for what ever I want. I don't think he was being fiscally irresponsible, he just never needed credit...

Christine, I advise that you get a credit card, buy something, wait for the bill, pay it in full, then shower, rinse, repeat! By the time you are my age (34) you'll thank me!

Get that boy a credit card and a charge card at Macy's. Keep a low balance and make your payments each month. It's going to take some time, but he'll build good credit.

It is actually worse for your credit to pay it off every month then to keep a small balance. I know it is crazy but it is.

Perhaps I picked a poor example with the insurance shopping issue but this is correct and why a credit rating can be arbitrary.

MikeM53082

lol

wow

I guess my answer is biased simply because after my previous marriage my credit score has become ****, regardless I think that if you find someone on the right track, judging them by a credit score is a little..........petty?

That being said maybe I am biased.

Why would wanting to date someone that is financially sound considered petty? I have good credit, live within my means and would like to have a partner that does the say. There is always an exception to the rule but I don't think it is a petty reason at all.

In some financial situations, it's better to just bite the bullet and take the hit to your credit. If a women bought a house in 2004 for 600k and the value dropped to 300k in 2008. Also, in that 4 year time frame, she's been laid off and is struggling to make ends meet.

In this situation, it's much better to just stop paying your mortgage. There's a good chance the value of her home might never recover if she bought in Phoenix, Las Vegas, or Miami.

Yes, your credit is going to take a hit, but it'll recover over time.

Even though I'm fiscally responsible and would want my partner to be also.. I'm also human and can understand tough situations like the example I gave.

DMZ_1

Does anyone else think net worth is more important than credit score?