A respondent’s comment to an article in the New York Times seems to perfectly describe the experience of a flight attendant from Chicago on what seemed to be a promising first date. Jessica was enjoying desert and trying not to put the horse before the cart; thinking about a second or third date. This guy was tall, from a religious family, had a good upbringing and good teeth – gotta have a nice grill, right ladies?! Then he popped the question – “what’s your credit score?” Jessica said “it was as if the music stopped,” as she recalled how the date went from hot to cold in a matter of seconds, after she tried to answer the question as honestly as possible. ” 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.”
“Credit scores are like the dating equivalent of a sexually transmitted disease test,” said Manisha Thakor, the founder and chief executive of MoneyZen Wealth Management, a financial advisory firm. “It’s a shorthand way to get a sense of someone’s financial past the same way an S.T.D. test gives some information about a person’s sexual past.” ‘Good credit is sexy’ according to creditscoredating.com; a dating site that allows its members to view the scores of potential dates who agree to provide the info.
While it is definitely a good thing to see men and women handling their business and maintaining good credit scores, those of us whose scores may not be as good are not necessarily financially inept or careless or lazy. Sometimes the picture is bigger than those three numbers!
We may or may not agree as to how soon the subject of money or credit should be discussed but we should all agree that it is a conversation that must be had before or when considering someone for a potential mate.
So, if you happen to meet that seemingly ‘perfect person,’ are you really going to walk because they don’t have a 700 FICO?