The New Pick-Up Line: “What´s Your Credit Score?”

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December 26, 2012 ‐ By Ann Brown
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Imagine being on a date and the person asks you not about your hobbies, but what your credit score is? According to the New York Times, this question is popping up more and more in the dating scene. One of the subjects interviewed for the article said a date once told her she was “the perfect girl for him, but that a low credit score was his deal-breaker.”

Do you know what your credit score is?  Most often credit scoring is used when someone tries to buy a house or to  get a bank loan for startup money, as we reported.

But now, it’s also an issue in romantic situations. “It’s so widely used that it has also become a bigger factor in dating decisions, sometimes eclipsing more traditional priorities like a good job, shared interests and physical chemistry. That’s according to interviews with more than 50 daters across the country, all under the age of 40,” reports the Times.

There are even a few online dating websites that cater specifically to singles looking for a partner with a great credit score, such as Datemycreditscore.com and  Creditscoredating.com. The sites let you check out the credit scores of potential dates before you actually go out.

A low score could become an issue, if say, you want to buy a house together. “Banks remain wary of making loans to borrowers with tarnished scores, typically 660 and below… 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,” explains the Times. Good scores start at 750 and above.

So the concerns about credit score are well-founded. But is this the right way to start off a relationship? Let us know what you think in the comments.

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