Get The Digits: Is Asking For His Credit Score The New “What’s Your Phone Number?”

14 comments
December 28, 2012 ‐ By Charing Ball
Source: Shutterstock

Source: Shutterstock

From the New York Times:

“The credit score, once a little-known metric derived from a complex formula that incorporates outstanding debt and payment histories, has become an increasingly important number used to bestow credit, determine housing and even distinguish between job candidates.

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.”

According to the article, a number of enterprising websites have sprouted out, catering to this growing interest in credit background checking of potential partners. A couple such sites, Creditscoredating.com and Datemycreditscore.com, allow its members to exchange and view credit scores of potential dates. The article also included an interesting anecdotal story about a flight attendant named Jessica Lashawn, whose dream guy fizzled before her eyes after Mr. Rico Sauve broached the credit question on their first date.

From to the article:

“It was as if the music stopped,” Ms. LaShawn, 31, said, recalling how the date this year went so wrong so quickly after she tried to answer his question honestly. “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.”

I don’t know how the rest of you feel but that just seems like an abitrary reason to dismiss your “perfect girl” on the first date. I mean, at the very least, advise her on some credit counseling and see how that pans out before writing her off. But everyone has their own standards. And quite honestly adding, “what’s your credit score” to the list of questions we already use to gauge the worthiness of a potential partner is not a bad idea.

The credit rating of a potential partner could have determining impacts on what kind of dates you have, who pays and even transportation to and from your date.  And if the relationship gets more serious, his or her bad credit could impact more important financial decisions such as the ability to buy a house. Likewise, credit can also be a indictator of how sound a decision maker a person is outside of the financial realm. For instance, a guy with pretty decent credit might be a sign that he is responsible and honest person in love. However, a guy with a couple of liens and delinquent marks on his credit report, could suggest that he might not be a little flippant with not only his wallet but with your heart too. It might sound like pseudo-science but more and more employers are turning to the credit scores of job candidates to help determine good hirees.

Some folks may have fallen on hard times due to lost of job or even a personal or family sickness.  Some folks may have not been so fiscally wise in their younger years but might be working to clean up their credit. And some folks just have more student loan debt than actual income. While I don’t see anything wrong with asking a potential partner about their overall financial solvency, I think it might be a dangerously short-sighted to rely solely on someone’s score, especially based on a metric you had no hand in creating.

But what do you guys think? Should our FICO score be the new “What’s your digits?”

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  • Kaori

    I wouldn’t ask someone their credit score upon first meeting them, but eventually I would want to know how financially responsbile they are or are not.

  • Papillon

    I take my money very seriously and I prefer a man who feels the same. I wouldn’t ask his credit score on a first date, but I wouldn’t be offended if he asked for mine. It’s not about judging a person, it’s about finding out if you have the same mindset when it comes to money. It’s a great starting point for money discussions which, imo, should happen early on in a relationship, not when you’re about to walk down the aisle.

  • Kamille

    A credit score is only important if you and your significant other are getting serious enough to discuss living together/getting married. If my husband had asked me that on the first date, there would have been no second.

  • Candacey Doris

    I don’t think that should be the new question, but i think that if you’re going to get serious, like move in/get married serious, then it needs to be asked. I have fairly good credit and i am not allowing someone else to tank it.

  • IllyPhilly

    Damn. That’s all I can say.

  • Guest360

    Your credit score should be talked about EVENTUALLY but on the first date? To me, anyone who brings it up on a first date is someone who is shady *major side-eye*. To me, people who ask for it immediately are looking for someone to mooch off of, not a long-term relationship. Most adults know ish happens. One mistake can torpedo your credit score before you even realize it happening. It is NOT a defining character flaw nor should anyone seek to reduce you to a single number. If the goal is to see how financially stable this person is, you can see it in their actions and how they value money. You don’t need their credit score to get that.

  • seth venus

    Haha. This article is funny.

    I just wanted to mention that if you have bad credit you might want to try out Lexington Law. They helped me get my score up by close to 200 points.

    • IllyPhilly

      How long did it take?

      • Kaori

        This is either a scam or someone trying to get more business.

  • TRUTH IS

    A credit score number should not define someone period!! Could it get anymore superficial?

  • Nikki

    I understand where people may be coming from. There was a study saying that blacks from ages 20-35 are more serious about their finances than any other race. I think it’s because we know we can do better and we want better for ourselves. Credit is easy to drop and hard to raise.

    However, I would be appalled if someone asked me that.

  • Say What?

    Please stop. Things like credit scores and how much he makes should only be discussed when you decide to play house. Asking any other time makes you seem like a lame duck.

    • http://www.facebook.com/jason.f.vorhees Jason Fangz Vorhees

      i agree with you kinda on this one. Even though thats something that should be discussed when folks are moving towards marriage, at the same time wouldnt it be great to know off the break what the score is so you can decide right then to even be bothered with talking to them.

      • Say What?

        It’s a two way street though the article acts as if men are the only ones with a credit score. I so difference between asking about this upfront then someone asking how much you make a year and then estimate your income potential over the next few years. You’re at dinner the most you might be splitting is the check not rent.

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