Should you check a person's credit score before dating them?
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M$9 Answers
I had a perfect credit score until I lost my job and my son's father maxed out a great deal of my credit cards right before leaving me. I really would hate to be judged by a potential partner for those reasons. If he didn't understand, then I wouldn't want to be with him anyways.
I don't see how anyone could view someone's credit report without their personal information. Anyone I've ever dated is not going to reveal that information to me. I think some word of mouth, a few Google searches and some very good observations could be indicators of how someone will treat you. You can always notice if they pay for the meal with cash/debit or credit. You can tell when someone is thrifty and someone spends beyond their means. I mean, you can always look up someone's job income for an indication. Look around his pad noticeably to see if he has mounds of bills laying around.
I don't want someone who is in debt due to their crazy spending habits. However, if someone is in debt for legitimate reasons and is handling it, I should be the last person on earth to judge that.
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M$
I also think it's unfair to look at money management as a proxy for romantic relationships. Money management is a skill. Some parents are very good at teaching money management or some people are very good at learning it. Others aren't. Whether someone thinks of a credit card as magic money or as real money isn't really something you can translate as to how someone will treat a person. Financial and emotional intelligence are entirely different.
Should you know about someone's finances before marrying? Yes. Absolutely. A couple must decide how to manage money and whether to combine it or not. But even then, knowing the person will tell you a lot more than a piece of paper.
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M$
For example, some people find themselves in debt from not being able to pay their bills due to involuntary job loss, poor health and a variety of other reasons as well. This person would have a low credit score because of not being able to stay current with their financial obligations but that doesn’t mean they wouldn’t be a good husband or wife.
However, there are people who constantly live beyond their means habitually. A person with this mentality may be someone you would want to think twice about a potential relationship with. I guess what I’m trying to say is that a credit score alone cannot determine if a person is truly relationship material.
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M$You can leave an optional "tip" with Mahalo's virtual currency, Mahalo Dollars. If you are asking a difficult question that might require some research, or if you'd like a wide variety of feedback, a higher tip often leads to more answers to your question.
M$
You can leave an optional "tip" with Mahalo's virtual currency, Mahalo Dollars. If you are asking a difficult question that might require some research, or if you'd like a wide variety of feedback, a higher tip often leads to more answers to your question.
M$
What would be a warning sign? I think if the person has a solid income yet is always in debt or you notice the person isn't making credit card payments or worse yet not even being able to get a credt card due, those are big warning signs. Also, if you notice that the person cannot have money in their wallet without spending it right away, then that's a person that is bad at managing money.
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M$
Additionally, if we wait until we know the date well enough to ask them for their social security number, we probably already have feelings for them. I really don’t think if two people are in love, check each other’s credit and find out they have terrible credit, that they will break up just on that fact alone. I would be more worried about a potential date’s criminal record than their credit report. :-)
personal opinion
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M$At what point does someone decide that a credit check is in order and to what lengths should one go to get the information? The person in question isn't going to spout out his/her social security number. Is lurking around and trying to sneak read mail or personal papers acceptable?
If, at the beginning of a relationship, one person is secretive and vague, and the other is sneaky and nosy, it doesn't appear to be a match made in heaven. But actually, I don't think that how a person treats money is any indication as to how that person would treat a mate. Mismanaging money only proves that the person isn't capable of making sound financial decisions by him/her self.
experience
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M$
In my opinion, your conversations should include topics like how you manage money, what kind of outstanding debts you have, what your retirement goals are and how you view saving among others.
Make sure you are on the same page and know how to work these things out with a potential spouse, but don’t worry about doing the full background check before you know whether you find the person at all attractive.
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M$
