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Bad financial score now 'the dating equivalent of an STD'

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What your credit says about you: Banks steer clear of giving loans to people with scores below 660, while scores above 750 are considered good according to this graphic by Credit Karma

Asking for a date’s credit score has apparently eclipsed more traditional check-list questions like a good job and shared interests.

According to the New York Times, websites like Creditscoredating.com state that ‘Good Credit Is Sexy,’ and marriage counselors and dating site executives say they are hearing growing concerns about credit than ever before.

According to Manisha Thakor, the CEO of financial advisory firm, MoneyZen Wealth Management: ‘Credit scores are like the dating equivalent of a sexually transmitted disease test.’

Interviewing more than 50 daters across the U.S., all under the age of 40, the newspaper discovered that a low credit score is becoming a deal breaker for people in search of love.

Jessica LaShawn, a flight attendant from Chicago, was on a date with a tall financier who ‘had great teeth,’ but her romantic evening was cut short after her date ‘asked a decidedly unromantic question: “What’s your credit score?”’

The 31-year-old, who wanted to answer the question honestly, said: ‘It was as if the music stopped. It was really awkward because he kept telling me that I was the perfect girl for him, but that a low credit score was his deal-breaker.’

Lauren Dollard, a 26-year-old assistant at a nonprofit in Houston, Texas, said her low credit score was responsible for stalling her romantic plans.

She admitted that her boyfriend is wary of marrying her until she can significantly pay off the more than $150,000 she owes in student loans and bolster her low credit score of 600, which has stopped her from qualifying for a car loan.

Apparently, her boyfriend ‘doesn’t ever want to be accountable for the irresponsible financial decision I made,’ she said.

Meanwhile John Hendrix, a 33-year-old chemist in San Francisco, said he worried that the vast disparity between his girlfriend’s credit score and his own low one could create tension in their relationship.

When the couple leased a car in October, Mr Hendrix was asked to leave his name off the contract because his poor credit hindered their chances for the bargain interest rate that his girlfriend qualified for.

Jezebel’s Katie Baker wrote of the trend: ‘At first I thought this was dumb, but then I thought about recent conversations I’ve had with friends in relationships.

‘One told me she was worried because her boyfriend hasn’t paid taxes in two years, another is concerned about his girlfriend’s credit card debt because she ignores it and keeps buying things, etc.

‘”What’s your credit score?” is just another (albeit awkward and excessively stringent) way of saying, “are you good at managing money and, if not, will I have to deal with your financial mess if we stay together?”‘

And according to the New York Times, dating someone with poor credit can have ‘real implications.’

Banks stare clear of making loans to borrowers with tarnished scores, usually 660 and below.

A low score could end dreams of buying a house, or result in steep interest rates, up to 29per cent, for things like credit cards, or car financing.

The best scores range from 800 to 850, and scores above 750 are considered good.

The Atlantic’s Jen Doll came up with some prepared responses for the inevitable question: ‘Either you don’t know your credit score, or you do. If you don’t, you’re probably not a good match for someone asking you your credit score on a first date, and you should sneak out through the back after drinking everything on the table.

‘If you do know, and you know that your credit score is bad, you should lie to at least get a free meal, lord knows you could use it, and, look, later you can tell the truth, or just “disappear” (you need a new credit score anyway!)

‘If your credit score is great, congratulations! Tell that person exactly what it is.’


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