credit score is a deal breaker when dating? really??

I've been told this: "I won't marry you because of your credit score." So yeah, really. Awesome, huh?

I had a guy tell me he couldn't be with me because I'd ruin his credit score!

Credit score ... tough one. I'm a future planner so is this important for my future? Yes. Would I want to have all responsibility as far as credit's concerned fall on my shoulders? No.

I believe a long lasting relationship needs to have a foundation. My credit's important to me - it should be important to him also.

With this being said, is it a deal breaker? No. If I love the person ultimately nothing will change that. Will I want and try to help that person get that credit in order? Absolutely!

Life's hard enough as it is WITH credit little lone limping through it without it ..

If the man I loved had no interest in credit or how bad it was there's a chance he wouldn't be the one for me. If he was attempting to correct possible youth errors - hey, everyone makes mistakes!

Can any of you tell I work with money for a living? Is it that obvious?! O.o

I've been told this: "I won't marry you because of your credit score." So yeah, really. Awesome, huh?

I wouldn't consider marrying someone with a bad credit score. Because they're bad credit then becomes your problem if you want to buy a home or car or take out a loan together. Everything would have to be separate to get a good interest rate or a larger loan, then if you divorce you're stuck with it because it was only in your name... nah... not gonna risk that kind of crap...

Bad credit score == a good chance the person is irresponsible. If you value someone on their responsibility level and maturity level, then this could indeed be a deal breaker, just as someone who is carrying 10 extra lbs around their midsection is a deal breaker with a lot of people.

I have quite a bad credit score, as i made mistakes when i was younger. Am i irresponsible? Well i have a full time job and then in my spare time i am trusted to run my sports clubs bar, which involves handling all the money and stocks and living on site to ensure security. Rarely have time to myself and trusted with quite a lot of money relatively. so bit easy to claim i'm irresponsible cos of previous mistakes.

I'm so glad I found my Prince Charming.

I think a first date is the last place any questions that imply a long-term relationship should be asked...I would run screaming for the hills...marriage, children, credit score - these things are way too serious for a first date...I don't even know you yet, don't delude yourself into thinking I have even begun to consider keeping you around...

I couldn't have said it better myself! :flowerforyou:

I can completely understand the logic behind this. I personally wouldn't want to be in a relationship with someone who had a crappy credit score (unless there was a justifiable reason as to why it was the way it was. For example my husband had a low credit score because he refused to pay the termination fee charged by Verizon when they renewed his contract without telling him) because it means that they're not the greatest when it comes to money, budgeting and the important things.

Also, if things progressed and you ended up married to this person who is in a huge amount of debt and has crappy credit you now assume and become responsible for your partners debt.

Yep and i'd be happy with that cos i would be married to the person I love. Unless they were doing nothing about it or intentionally making it worse then its just part of them and their past.

Typically if they have the bad credit score it shows that they haven't been doing something about it and that, in turn, means they are intentially making it worse... so... I'm not with you on your counterpoint.

I agree. I think people saying that haven't had to deal with the effects of it, or if they have, they've always had enough money to power through it. So, it's a minor annoyance. But, for anyone that has had to deal with it, it sucks big time. I've been divorced for two years and I'm still dealing with it. Their issues become yours. Their bad choices and irresponsibilities become your bad choices and irresponsibilities. And then, they start hiding things to avoid a fight. They have credit cards you don't even know about. They open private bank accounts and you have no idea all this is going on behind your back for years. It all comes out later. And, guess who has to clean it all up. Yeah, the responsible one. F... That! Some of you just don't get it.

I will say though, this is more about the credit score. I'm not really talking about that, so sorry I took it off topic. I'm more talking about overall financial responsibility. The credit score would reflect that to a degree. It's not the whole story, but it's part of the big picture. If someone cannot pay off their debts, it usually means they borrow more than they can pay. Which then means, they don't understand 3rd grade math. Which probably means they have a pretty low IQ.

wareagle8706 and neverstray - well glad you'd both right me off for mistakes i've previously made.

i am considered very responsible with money now by people around me, but it takes time to repair the past. and if you had hidden accounts etc behind your relationship that is more issues with trust etc in the relationship then about just the credit score and irresponsibility.

I hope one day i will i meet someone who judges the whole of me, not just a score set against one part of my past.

That's the only criteria we are speaking about in this post, in case you didn't read the title.

I can judge you on other things if you want, like your profile pic... very mature and responsible looking to me..... :huh:

I can tell you right now I have had credit cards since I was 18 years old (I'm 25) and never, ever have missed a single payment. I had 3 credit cards in college and I have two now, including a few retail cards. I also have a car payment. My credit score is excellent and I have never missed a single payment on any bill I've ever gotten. I was a resonsible adult from the beginning. I don't understand why you are trying to tell me that I shouldn't expect the same level of responsibility in a mate...

"How somebody treats their money is just another manifestation of how they treat the people around them."-- Suze Orman

Credit score shows a HUGE sign of responsibility. It's pretty important.

In the last 24 months I have lost 50 pounds of fat...one could say it was life changing. It truley was as I now look at life in a totally different way. I was ate up with the idea of money buys happyness, all it got me was fat and misurable. I now refuse to be judged by a 3 digit number and anyone that is that close minded need not be in my circle of influence. Truth be told Im 985,000 in debt and have a credit score somewhere in the poor to average range. This maybe irresponsibile to some but to me...well its my life summed up by corperate america with a 3 digit code. A life of success and of failure, trial and errors. A life of punching a clock to owe your soul to to creditors sounds like living death to me. Whats "pretty important to me" is the idea that one should believe and invest in them selves! Take risks, live life... Come on people stop being corperate pawns! Life is more than houses and cars (I've had and have may of them), its about quality of life. In the end its the moments not the stuff that matters.

Whoa, this thread is highly unsettling. Not even going to get involved beyond these two little sentences.