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Your Take: Marriage Decisions Based on Credit?

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Wedding RingsSo… here’s a pretty wild one. Apparently 20% of men and 30% of women say they won’t marry someone with a bad credit score, according to a poll by FreeCreditScore.com. They polled 1,000 adults and had a few other interesting findings but that one was the most eye opening.

Financial responsibility is sexy again!

When I started dating my lovely wife, finances never came up. It helped that we were both in college at the time so finances were simpler then. For us, a $60 dinner was incredibly nice (they are still nice now but not these epic affairs as they once were… plus it was $60 in Pittsburgh, which goes a long way) and we didn’t make that much money. We never talked about money because we didn’t have any.

I can’t imagine what it’d be like to be dating after college in the “real world,” when these types of discussions become increasingly important. While the CNN story gets a little ridiculous (does Linda Basloe really want the credit score before giving out her number or did she just say that to get a quote in an article?), it confirms the bigger point of how finances do play a role in the marriage decision. I think it’s smart to have these conversations.

Should a person’s finances (or their credit score) factor into your dating decisions? Was it a factor for you? Please someone have a funny story!

(Credit: Caucas’)

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9 Responses to “Your Take: Marriage Decisions Based on Credit?”

  1. We were lucky that we were both pretty financially responsible. Credit scores don’t matter as much to me as money values. If a score is low due to forgetful late payments, you can work on that. However frivolous spending and 20k of credit card debt might be a bit harder.

  2. We were pretty much on the same page from day one so it was not much of an issue for us. Like Lance said, I view money values and attitude towards money as more valuable than a credit score.

  3. Huskervball says:

    I think it is important to talk about who gets what when entering into a second marriage. There is a basic philosophy that needs to be discussed even if there are stars in your eyes.

  4. Really? I mean I do believe in high standards when you are dating but to discuss credit scores first. Maybe it should come up as things progress but not before you give your number out.

  5. dh says:

    I don’t know that this came up immediately, but as we got more serious, it *did* come up and it *was* discussed . . . mostly in the context of financial goals and behavior. Finances do trip up a lot of couples — there’s what your spouse (or potential spouse) tells you/presents to you, and there is reality. Hopefully, if you have an honest and straightforward relationship, those two are one and the same. I’d say a credit score “check” or sharing is a good way to see if what you’re being told is what is happening (‘trust but verify’). I have a spouse who started out very strong (financially) and then kind of let things go and got herself into some debt trouble and has since righted her financial ship, so to speak . . . so it’s not like any sort of “one time check” is going to tell you everything about someone from now until forever . . . but it’s a good data point.

  6. peter says:

    Some of these “polls” depend on the questions asked and therefore the source. What if the question was something like “All other things being equal, would you prefer to marry somebody with a credit score of 800 or 2?”

    On the other hand, some people *are* shallow…

  7. Clarke_Thomas says:

    the trend is definitely increasingly and i don’t see a problem with it. Every body wants to settle with the person who is financially stable and asking for credit scores is just following up on that. CNN money recently published an article (http://money.cnn.com/2013/07/24/pf/credit-score-dating/index.html?sr=fb072413creditscoredating10p) where they found more people are now accepting this idea of credit scores in dating.

  8. elloo says:

    Not only check the credit score, but do a background check, too! We shop for a new cell phone, shoes, etc. more intensely and carefully than a new partner, no? So, why not be as careful and thoughtful here?

  9. DXS says:

    Yes! This is important! It should be a deal breaker! Check credit scores before you marry.


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