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How sexy is your.. credit score?!

Recently, a guy on twitter declared “Women, you really want to impress me? Don’t post pictures of you in a sexy pose. Post up your credit reports from the top three credit bureaus!”. I’m paraphrasing, but it was pretty funny and kind of telling!

With today’s economy, men are working harder and harder for their money. They are just as impressed by financially healthy women as they are by women who are physically healthy! Perhaps even more impressed! If this isn’t a sign of the times, I don’t know what is!

How compatible you are is very important – and comparing credit scores could reveal a lot about what and how you two value the same things. There are even online dating sites that are catering to this notion. These websites let you sign up with your credit score rating as your main attraction!

What do you think this means for the state of dating? Is this yet another reminder of how much dating has changed?

Would you ever ask a date about their credit score?

By Wise Diva, Misadventures in Atlanta Dating Blog

269 comments Add your comment

Single & Happy

January 15th, 2013
7:26 am

WTH, dang I must be getting old (LOL)

Mouth shut eyes open, cause people can’t lie about the score right!! Cause I’ll be damn if we’re going to exchanged credit reports. We will not be mixing money, you want a car, go buy you one, you have credit cards pay your bills.

Hey all

lee

January 15th, 2013
7:28 am

LOL …. I think its a great idea, wish i did a credit check on my X. My credit score is lovely! My X would go shopping like a woman spend it all, then i would say you have a closet full of clothes, those weren’t needed we have things to pay off, etc.. Then he would get nasty “i’ll just use the credit card”…He was all in for keeping up with other people or showing off, I could care less what you have what kind of car, clothes etc.. I know what i have – and that is what i can afford to have, i could care less if i have the newest item.
I don’t think i would ask on a date what someone’s credit score is, but relationship yes, getting married Yes and what is in their retirement also.

MissMoni

January 15th, 2013
8:21 am

GOOD Tuesday Morning MIA!!!

I wouldn’t ask a date what their credit score is, however I would ask a fiance. Finances is definitely something that should be discussed prior to marriage, to see where we stand and if adjustments need to be made. I’m not with living ABOVE my means and I would want my future husband to be on that same page.

LeeH1

January 15th, 2013
8:37 am

Financially secure people are hot! You can tell, because financially secure women wear jewelry, not bling. Finanically secure women are comfortable, not ambitious for expensive gifts or for “show”. Financially secure women take care of their possessions as they take care of their home. A home or car that is worn down or shabby or unclean is a real flashbulb to future mates about their real values and their use/misuse of funds and their trustworthyness.

Dating is one thing. A future mate must add to the financial security of the home and family. A person that wastes money or shows off (male or female) is great for dating, but not for marrying. It doesn’t matter how much or how little they make, it is how they live within their means and how they take care of what they own. The credit score is just one part of this pattern.

Button

January 15th, 2013
8:54 am

Good morning, Somebody has bad credit – bankruptcy is at an all time high! if you think having poor credit will stop love from happening, you must not know the power of love! I read about this topic on another site and was tickled at then and tickled now. Don’t ask me my score because I don’t want to know yours. At this age, heck I’m just happy to know you’re still standing up right. Now if I were younger and wanting to start a family then will be concerned about whether you pay your bills on time and we can reap the benefits of having excellent credit scores making our financial life much easier and affordable without paying high interest. Been there done that, now that I’m older. I have my home, car, credit cards, I’m building a nest egg in my roth IRA and 401K and I don’t owe the IRS! I’m good!

My concern is one thing, do you owe the IRS, b/c I can’t and won’t wait on you while you’re sitting in jail for tax evasion or having your property seized.

disco

January 15th, 2013
8:57 am

good morning.

I’m on the pro credit score bandwagon. not saying it’s to be brought up/shared immediately. if it was serious enough that I thought I might want to marry a brother his numbers would most definitely need to measure up. more than once I’ve dated the guy who had the post-divorce bankruptcy and all the accompanying financial drama. personally I didn’t want to be bothered with it though some of my friends didn’t think it was that big a deal if he was a nice guy. so far he hasn’t been nice enough for me to overlook all that.

Single & Happy

January 15th, 2013
9:03 am

Hey disco, button

Now if you’re dating someone and you haven’t been around them long enough to know how they handle their finances without asking, have you really been around them long enough to be talking about marriage?

disco

January 15th, 2013
9:06 am

S/H – how a person “appears” to handle their finances and what their credit score actually is may or may not add up. I personally know a lot of folks making good money and blowing it. folks making little money and handling it. folks driving nice cars and they are in their parents’ name. I always shake my head at that one. 45 years old and mommy and daddy are still helping you get a car. really? nope. doesn’t matter what I think I see I still want to see Equifax, transunion and Experian. lol.

Lee

January 15th, 2013
9:18 am

I just saw a man riding a bike painted in gold even the tire rims , he was wearing a silver helmet that had horns….. now i have seen everything! lol

Single & Happy

January 15th, 2013
9:27 am

disco, I’m talking about folks you’re dating, like you said you have an 850 score but mom and dad helping you pay your bills, then does that score really make a difference? If you’re handling your business, but your score dropped because of circumstances, like when our government enacted the credit card act. But we can’t get married because of a number?

Courtside Seats!!! Caught on the Kiss Cam :)

January 15th, 2013
9:29 am

Damn…… Under no circumstance would I ever disclose my credit score to someone I am dating….. Credit scores only tell a small part of a story and never give a clear picture of who / what a person is… Case in point…. My brother started a business about 10 years ago…. for the fisrt 4 or five years, the business struggled and he went about a hundred grand in debt to keep it alive….. Fast forward 3 years and he clears a hefty six figure salary, the business has multiple locations and he had enough loot to pay cash for his dream home….. The kicker is , his credit score is still barely 600 because of the struggles from strting his business….

Raqi

January 15th, 2013
9:34 am

While reading this made me LOL (literally) I do know from experience that maintaining a “perfect” score is not all that easy, cut and dry.

I have very good credit now but that has not always been the case. There were times when putting brakes on the car was more important than making that credit card payment that month. Things happen.

Yeah in the blog world everyone makes high-five and six figure salaries. Everyone pays every bill not only on time but before it’s due. But in the real world things happen. And just because one may have a run of difficult times that does not mean one is not financially concerned and aware.

Don’t make hasty decisions about a person’s situation without considering what brought it on. What is more important is how they are faring now. It takes 7 years for a negative credit rating to be expunged from your credit report. So yeah someone may have had a run of bad luck 5 years ago due to job lost, an unexpected high dollar expense (medical bills), bad business investment or whatever. That should not be the sole deciding factor.

How are they living now? Are they careless in the spending? That’s what counts now, No?

Robert

January 15th, 2013
9:35 am

“Would you ever ask a date about their credit score?”

I don’t give a darn about someone’s credit score. I am interested in how much money $$$ cash you have in the bank. The more cash you have the more fun we can have.

I know people with 750-850 credit scores that in today’s market have a hard time finding a mortgage loan because of the harder lending laws.

Amia in Atl

January 15th, 2013
9:35 am

I used to be VERY close minded when it came to credit. A man had to have good credit along with a great profession. At age 31, everything turned upside down. I found myself in a situation where I depleted my savings, sold my house, lived off the profit, and found myself no longer being able to afford my normal lifestyle, etc. I eventually filed bankruptcy. That hurt. It was extremely difficult because I had always prided myself on my accomplishments. Others used to compliment me on how I handled business. I refused to let it me beat me down, though. The career isn’t where I want but that’s a work in progress. I have worked hard to rebuild my credit. It’s not where it was, but it felt great to buy a new car last year with a good interest rate from a major bank. My point is, a lot of times we don’t understand until we are in those shoes. I was shocked at how fast things can go bad, no matter how you plan. I would be devasted if a man didn’t want to be with me for that reason. Matter of fact, it was such a blow to my ego/pride, that I didn’t date for a few years!!! This whole ordeal has taught me to more humble than I ever was before.

disco

January 15th, 2013
9:39 am

s/h – point made. I get it, I do. but like I danced around yesterday I have no intention of carrying a grown man. I’m the chick that’s there for moral support. if you need a home cooked meal, some words of encouragement or a morning break off to get through the day I’m your girl. if you need someone to co-sign for you or catch up your back child support, I’m not your girl. now, my instances are based on the guys that I did date. both divorced guys who filed bankruptcy and thought that because they worked and made decent money that they were doing okay. yeah. they were doing okay but their “marriage-worthiness” decreased in my eyes as soon as I caught wind of their true financial situations.

Raqi

January 15th, 2013
9:44 am

And really what does a person’s credit score matters when you are just dating? Which is what the majority are just doing these days.

If you are considering marrying and one party has a bad track record in finances, let the one with better financial sense handle the money.

As an associate I know has been doing, don’t purchase anything together even after marriage. She owns their house while he does an upstanding job of contributing to the house payments. His credit is/was not good so they do what they have to do merge the two until his is at a point that it will not negative affect hers. There is a way to work around things.

The biggest issue I hear today is people just not wanting to work. And I don’t mean having a job work, I mean working with a person or situation. Credit is something that can be worked and made better.

As long as you have someone that is willing to put in the work to make their whatever situation better you more than likely have someone worth working with.

Celisea

January 15th, 2013
9:44 am

I think topics of this nature really depend on your age, where you are in life, how much growing you have left, the years ahead of you versuse the years behind you, etc. I don’t think you should ever ask anyone about something so personal, until and unless marriage comes up. The only reason you need to know anything that personal about me is if we’re at the point of comingling. Comingling money, assets, investments, juices, etc. Whether we’re 20, 40 or 50, again, unless we’re headed down the aisle, it’s really none of the other person’s business.

If we’re just dating, what benefit is it to know? Just dating now, not getting married. I would think wanting to see a clean bill of health would edge out way ahead of seeing someone’s credit score. I mean if you ain’t here cause of bad choices what good is a credit score anyway? IJS However, I do think for one’s own self, they should practice good spending habits and good credit. For you, way ahead of getting together with someone. Because I, for one, am NOT in the business of sponsoring. You ain’t gotta disclose to me, but you definitely need to be handling yours.

My other issue is don’t assume a person is frivolous with spending because of what you see. Just because a person accumulates, there shouldn’t be the assumption they’re overspending or spending above their means. You only live once and I believe if it’s something you want and you work everyday and can afford, why not? I don’t believe in living life and always wishing or not buying say a new car because it will depreciate. Well, so will I, the older I get (y’all get what I’m saying). If it ain’t eternal, it gonna die (car, person, house, things, stuff), at some point. Again, I not saying go berzerk and whoop it up, KNOWING you can’t, but if you can, why not indulge just a little as long as it’s within reason?

I will admit, I didn’t start off doing things right, but I learned and IMO, as long as you learn and get it right so you can get some of it back, is all that matters to me.

Single & Happy

January 15th, 2013
9:47 am

Disco I’m not saying take care of someone. Just like the 2 guys you dated, you didn’t have to see their credit score to know their financial situation. If you’re dating someone and you have to ask for a credit report to know what’s going on with them, do you know this person well enough to be talking about marriage?

Button

January 15th, 2013
9:47 am

Single I don’t know how my date used to handle their financial affairs, all I know is that they had a roof over their heads, a car and had a pretty good lifestyle that included vacations and such. Now does that mean they had good credit? NO, that meant they had the resources to do those things. Heck even people with bad/poor credit did those things.

Courtside Seats!!! Caught on the Kiss Cam :)

January 15th, 2013
9:51 am

I agree with Raqi and her 9:44…..

is “for richer and for poorer ” no longer part of the marriage vows???

DreamsMaterialize

January 15th, 2013
9:51 am

Morning Everyone.

I don’t cast aspersions based on an individual characteristic, like a credit score. I also look at a person’s past and current situation, their behavior, indulgences, attitude, work ethic, etc. I put all of those things together to try and form a more complete picture of the person I’m dealing with. I develop risk scores and math models for a living, and I know that, while scores can be helpful indicators, they also have weaknesses. For example, filing for bankruptcy will severely lower your score, but research shows that people who have filed bankruptcy tend to be better, more responsible customers after their bankruptcy is discharged. Point is, look at the individual, and use all the information (not just a score or individual attribute) you have at your disposal.

Raqi how goes it? Good to read you.

Celisea

January 15th, 2013
9:52 am

Most folks that hold other folks to the fire in having to have outstanding credit in order to breath on them are usually the ones that have to hit a bump in the road to understand, sometimes you can’t control life and what it brings your way. Sometimes life throws a curve ball and survival over a good creditscore wins hands down. I believe this, you can always recover. Especially if you’re thrown in circumstances beyond your control that caused you to abandon holding up a good score. Things like losing a job, etc.

Raqi

January 15th, 2013
9:53 am

Celisea, I agree. We all live and learn.

I can get on this thing, as many will, and say I have never ever paid a bill late and my credit has been 800+ from my mother’s womb (LOL) to this day, but that won’t make it true.

The biggest concern is having learned from past mistakes and having made right the wrong.
And again until you know what got a person in a situation don’t be so quick to discount them.

Raqi

January 15th, 2013
9:53 am

Hello DreamsMat. I am good. Hope all is well with you and yours.

SlimNu - More of me, less of you

January 15th, 2013
9:55 am

Good morning,

Yeah, i’m with Raqi and Amia…you just never know and merely looking at a credit score is not going to give you a end up be all picture of that person. It’s no different than pulling someone’s criminal record…what if that person doesn’t have any arrests, warrants etc…does that mean he’s an upstanding citizen or that he just hasn’t been caught yet. lol

Exiled!

January 15th, 2013
9:58 am

Yawn!!

I hate Lance Armstrong and his punk azz! Why u gotta admit to doping when they never found you ‘doped’ after testing you several times.

His azz is so weak!!!

Bump the snitchers! Dude,ur azz was found clean,Period!

Weak azz man u are Lance…Man up to the grave.

:lol: I’m just hating this ‘admitting’ thing….like u are the first one to lie really.

All these corporate honchos faking degrees and such and pocketing millions.

On topic:

Yawn again,it’s such a shallow topic.

Good credit is like a flower. It’s only needed when you really need it.
If I have to choose paying my auto note to Wells Fargo and my mum’s medical bills,I choose my mum..bump Wells Fargo!
I will work on the credit well in advance when I need another big ticket item. etc….

What good is it just having a 750 credit score when all it is doing is just being there,like a flower,sitting atop my kitchen table.

Have a nice day!!

Life happens.

Hey MIA

Courtside Seats!!! Caught on the Kiss Cam :)

January 15th, 2013
9:58 am

Funny thing is, I don’t know anyone that can definatively tell what factors go into figuring a credit score anyway….

Celisea

January 15th, 2013
9:59 am

Raqi – Yep, I’m right there with you on your thoughts this morning.

I will say (and sorry if this is bad), you can’t though be pulling up on a bike (not motor bike) and want me to get on the back for an outing….lololol IJS And don’t be saying you gotta get on off the phone cause you’re using too many minutes. I’m mean I’m the person that passess judgement (in this regard), cause I’m familiar with struggles and the sacrifices it takes to overcome, but you gotta have SOME standards.

DreamsMaterialize

January 15th, 2013
9:59 am

Hello DreamsMat. I am good. Hope all is well with you and yours.
Raqi Life is good, very thankful.

Celisea

January 15th, 2013
10:01 am

I meant…

I’m the LAST person to pass judgement in this issue…..

That’s where I was going in my 9:59

disco

January 15th, 2013
10:03 am

S/H – at the end of the day it’s not so much about the numerical score as a person’s financial responsibility. I get that. try to think like disco for a second. I know it will be hard because disco is a bit throwed off. in my world (not the world in general) it’s important for a man to be on point as much as he can be on point because disco isn’t the type woman to cover for a man (or as the old folks say “let” a man be a man). for instance, it probably wouldn’t be a good idea for a man to move into my house. in my mind my house will always be my house. I don’t care if we are married now. this is the house I bought before you, it’s mine. we need a new house or at the very least for me to move into your house (there’s that double standard again – lol). for some, this is a small, irrelevant thing. for me, it carries weight. money is important, finances are important, how money and finances are handled is important. I don’t really want to be with a man that I can’t trust to handle the money/finances. now, having said all that I’m perfectly willing to be understanding and weigh individual circumstances but a lot of times individual circumstances boiled down to simply making bad decisions.

Single & Happy

January 15th, 2013
10:03 am

Button, if they were handling things, does their credit score matter? if a person saves and pays cash for every thing, there will be very little credit history, When it comes to marriage you have to look at the whole picture and make up your mind of what you can and can’t deal with. I’m not one of the blog people with great credit, but I can take care of me! Like Raqi stated life happens, why do we always want to hold it against people.

Lady~it is what it is!

January 15th, 2013
10:04 am

Raqi & C good reads!

Celisea

January 15th, 2013
10:04 am

Poor little Mmeello, you need to admit cause it’s right to admit. You wanna go to the grave with stuff that’s gonna meet you on the other side? In the good book it says every deed and every word spoken will be brought into judgement. Admission is good because really it ain’t between you and the world, it’s between you and God. What I don’t get is being on the world’s stage. I would tell folks to kick rocks, do my penitence and K.I.M. Too often, folks worry way too much about what other folks think.

Okay….I’m off of here. Got to get to work.

Oh, I almost put an eye out last night trying to get my contact out. I’m dreading putting them in today…but I’m gonna.

Celisea

January 15th, 2013
10:04 am

Lady – Hey there!

MsAtl

January 15th, 2013
10:06 am

Morning All!

I don’t judge people by their credit score and I would not share my credit report with someone I am dating. I would look at the whole picture, how he handles what he makes, does he save, etc. However, if we are just dating, it is not for me to hold that against someone unless the relationship is headed toward marriage. If we are getting engaged, then yes, it is important for me to know whether I am going to be paying the bills while you blow your check every month. If we are merely dating, as long as you don’t stick me with the check because you “forgot your wallet at home” then we do not have an issue. And yes, I will pay for dinner sometimes, but that is if I decided ahead of time that this one is my treat…

Single & Happy

January 15th, 2013
10:08 am

Disco, I don’t have a problem with it being your house, the problem is when you have to throw it in my face. Remember, me and you almost live in the same world, (LOL) I agree, you shouldn’t have to cosign, help catch up on any kind of bill, or child support! whether it’s from a man or woman.

Celisea

January 15th, 2013
10:08 am

One bad habit (well not bad) I do is have EVERYTHING drycleaned. I do. It’s expensive but it’s what I like. I don’t like how clothes look afer being washed. My underwear and what not, yes I wash, bed linen, I wash but not my clothes. That’s just one of things I indulge in. If I ever lose my income, Imma be washing my clothes and would have no quams about it. I think being able to “roll with it” makes a world of difference.

Celisea

January 15th, 2013
10:10 am

Now, I’m gone. Gonna see if I can get my contacts in today….uggggh

DreamsMaterialize

January 15th, 2013
10:10 am

Exiled I don’t think Lance is admitting to appease his conscience. Otherwise, he would have come clean already. He’s getting something out of this. Maybe he’s admitting to help agencies catch all the others who were cheating but trying to scapegoat him for it.

disco

January 15th, 2013
10:11 am

C – re phones and minutes. now that’s funny because I have a gang of friends/family members with prepaid phones. they never have minutes and primarily use their phones to text. I recently had someone ask me to rent them a car. they didn’t have a credit card but didn’t want to pay the cash deposit for the rental.

S/H – this whole discussion is starting to sound like the “good people” argument. lol. you know. abc and xyz are wrong but it doesn’t matter because he/she is good people. for me, good people isn’t enough. for instance folks always tell me I’m wrong for counting kids. I don’t care. I know guys with X number of kids who think because they love their kids and care for their kids it’s all good. yep. it’s all good for them and their kids. it’s not all good for me.

Exiled

January 15th, 2013
10:11 am

Cel…Opprah aint God..all these folks aint God….

His relationship with God is his alone…..

My silent prayers and apologies and admissions arent answered coz they arent public?

I aint buying that….

Raqi

January 15th, 2013
10:12 am

Single & Happy, exactly. Dave Ramsey does not have a credit score and he is a multi-millionaire. The marido listens to him religiously and is adapting to many of Mr. Ramsey’s ways of thinking. If you don’t have cash to pay for it then you probably can’t afford it nor should be buying it.

I know that’s a stretch on Mr. Ramsey’s part and the Hub’s but it does teach discipline in spending.

disco

January 15th, 2013
10:15 am

S/H – that’s just it. I want the man to have a problem with living in my house. lol.

Celisea

January 15th, 2013
10:16 am

disco – That’s funny. I didn’t know companies still did minutes so much. There are so many options out there now. You can do month to month and have unlimited. Tell your kinfolks to get in on the good good…lol

disco – I’m agreeing with most of what you said. I don’t really have time to be worry about your credit profile, all I know is I’m not paying your mortgage, your rent, cosigning, your childsupport…none of that. Again, as a dude, you credit score ain’t my business, you just need to handle yours.

Mmeello – I didn’t say confess before Oprah. I just said I don’t get why he’s on the world stage. He owes her and no one else an explanation or an apology. If he did wrong though, he needs to make it right or get it right. Not for the world, not for Oprah, not to appease folks, but because it’s the right thing to do…IMO of course.

Celisea

January 15th, 2013
10:18 am

I like Oprah, more so now than I did years ago. But believe me, Oprah is highly flawed. And not, not ragging on looks or her money. She’s like any ole body else.

Button

January 15th, 2013
10:21 am

Single – if he were handling things, credit score would not be the deciding factor of marriage. I would hope he would feel the same for me and my score. I’ve never been asked about my credit score.

kimmie

January 15th, 2013
10:21 am

Morning Beautiful Blog Peeps!!

at the end of the day it’s not so much about the numerical score as a person’s financial responsibility.

I’m with this statement from Disco and what Raqita has said!! No, I am not swapping credit scores with someone I’m just dating. It’s none of your business because I don’t believe in getting financially intertwined with boyfriends. Husband yes, boyfriend no. And my credit was/is not the best due to some “life happenings”, but my husbands is excellent so he handles the finances. When a few things fall off my credit file, which should be very soon if not already, we can apply for things together. In the meantime I contribute to the household expenses.

I have dated someone who, from his actions, I knew was very financially irresponsible, and it was a nightmare. He was in default with his student loans even though I tried to show him ways to improve his situation. He blew his money on video games and junk, 2 banks yanked checking accounts from him and his credit card was declined a few times when we were out. Very embarrasing. And this was at age 34. I will work with people that are trying to help themselves, but if you just don’t want to grow up, miss me!

Single & Happy

January 15th, 2013
10:22 am

Disco, not the good people argument, we agree there also

Raqi, There are several people out there like that. they call them the millionaire next door :-)

disco

January 15th, 2013
10:24 am

C – I would tell my kinfolks but chances are they don’t have any minutes and I don’t text. lol.

I have a friend who recently changed jobs. new job doesn’t have free parking. she doesn’t make much and parking would be killer for her. her solution (so far) is to have her unemployed, no car having boyfriend drive her to work each day and keep her car. I’m like really? that’s your solution? I’d rather just bite the bullet and pay than wonder where dude was with my car all day long. lol. just me though. she thinks he’s helping her. I told her if he were really in a position to help her he’d pay for the daggone parking.