Dating: Should We Ask Our Sexual Partners Their Credit Scores?
Which are you more concerned about -- stats on romance or finance?
It's a new year, and people don't have anytime to play around on the dating scene. For good reason; it's pretty ratchet out there.
Now more than ever, the term "people are crazy" is applicable to everyday life no matter where you live. Not to mention, the economy is not at its peak at the moment. Times are tougher than most, and people want to know that whoever they are dating is bringing more to the table than what they're eating.
Proof of this comes in a recently published "New York Times" article titled, "Even Cupid Wants To Know Your Credit Score."
In it, people shared stories about going out on dates and being bluntly asked, "What's your credit score?" Yes, it's getting that real out there.
[Also Read: Is It Ever OK To Use Groupon On A Date?]
“It was as if the music stopped,” Jessica LaShawn, a 31-year-old flight attendant from Chicago, told the Times. She says she was out on a date with a tall, handsome gent who "popped the question" over dinner. “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.”
Wow. With questioning dates about how many people they've had sex with being still somewhat taboo, the next most logical question to ask would be "What's your credit score?" Right?
All last year, we explored various relationship conundrums, asking questions like "Is Sex Fun Anymore?" to which the general consensus was "No, not really." We asked if the number of a mate's sexual partners mattered and we came to a similar conclusion. So if sex and past relationships aren't necessarily deal breakers anymore, it may only make sense that financial irresponsibility take their place.
And believe it or not, there are still people out there who date to find a spouse and not just a good time. For them, knowing their potential partners' credit score could save a world of headache in the future.
[Also Read: Black Americans Face Lasting Credit Damage]
We already know that the divorce rate in the U.S. has long hovered around 50 percent. Add to that Forbes Magazine reporting that disputes over money are the leading causes of divorce and you have plenty of reason to be concerned about how who you're seeing handles financial responsibilities.
Low credit scores make life more difficult in general. You have to jump through hoops to get approved for apartments or homes, if you're lucky enough to get approved at all. Banks charge you higher interest rates when applying for car loans. In the worst cases, banks will tell you your money isn't even welcome at their establishments when you're trying to do the responsible thing and open an account.
Low credit scores also indicate that a person may not like to, or is not able to pay bills on time. Who wants to come home after a long day's work to a house with no lights because "sweetie" didn't take care of the utilities?
[Also Read: Credit Agencies You Don't Know, But Should]
Dealing with a crazy ex-fling, worrying about infidelity or opening yourself up to an STD are extremes on their own. But all three may be at least easier to talk or vent about in the comfort of a nice home, with all of the bills paid -- on time. Kicking someone out after an argument goes a lot smoother when they have their own car to drive off in, instead of asking you for a ride back home.
Considering all of this, perhaps asking someone "what's your credit score" may not be a bad thing. Creating more open and honest dialogue about money could lead to people becoming more responsible, improving the dating pool for everybody.
However, there are ways of going about such conversations. Instead of flat out demanding to know a credit score, it would be nicer to simply start a conversation about finances in general where the subject can discussed comfortably. And it's probably not something that should be asked on the very first date.