You’re hot. Your credit score is even hotter.


You know that times have changed in the dating scene when “What’s your sign?” has been replaced by “What’s your credit score?”

If a credit score weighs in another’s decision to grant you a mortgage, hire you for a job, or give you a credit card, it’s not as unreasonable as many would think for a credit score to help determine the suitability of a mate as well.  Financial advisors in fact, liken one’s credit score to the results of a test for sexually transmitted diseases: both tell about a person’s past, and issues that a romantic interest may have to deal with in the future.

A person’ quest for a great partner — who also has a good credit score — has no gender bias, either, as questions about someone’s financial health comes out of men’s mouths just as much as from women’s.  Even online dating sites like, “Where good credit is sexy,” takes online dating to a whole new level by finding potential matches not only based on age and location preference, but also by preferred credit score.

So why are so many couples putting marriage on hold until their financial houses are in order?  Although it’s easy to say “It’s OK that my fiancee’s credit is bad; we’ll just put all of our credit cards under my name instead of hers,” the fact remains that both credit scores will still be considered for car insurance rates and apartment applications.  And later, when it’s time for the big joint purchases such as cars and homes, it’s a given that both partners’ credit will have to be considered if one person’ income and net worth isn’t sufficient to cover the note.  That’s not to say that a lower score can rule someone completely out of finding love, but protecting assets, making sensible money decisions, and working on a good credit are all part of a great couple’s plan for the future.

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