Should You Share Your Credit Score on the First Date?

By Mark Reijman. YOUR credit score is definitely important when applying for a credit card or personal loan. But should you also consider it when searching for your significant other? Now, it is easy to say you are a saver, but are you practicing what you preach? Credit scores are based on your past factual behaviour and are therefore a better indicator of your future behaviour than what you are saying about your own financial behaviour. For example, in Malaysia, CTOS calculates your credit score among others on your payment history, history length, the amounts and the types of credit facilities you owe. This is translated into a 3 digit number between and Higher scores imply higher chances of getting approved for personal finance products like cards and loans. So if you are a and on the lookout for a date, you should be looking for a or , but definitely not drop below a In fact, in the United States, a dating site exists which matches people, based on their credit score.

Dating website centers on lovers’ fico scores. Asian internet dating sites

Subscriber Account active since. A national study performed by Discover and Match Media Group of 2, American adults found that a good credit score may help land you a relationship. Match owns dating websites and apps —such as Tinder, Match. Financial responsibility is more important for women finding a partner than men.

As credit scores are based on 6 years’ worth of payment history, Do: Pay for food and drinks on your date with your credit card and pay off the.

For the latest business news and markets data, please visit CNN Business. For many singles, bad credit can be a deal breaker when it comes to finding love. Most respondents also said money management skills are just as important as looks when deciding whether someone is worth pursuing. This is especially true for women, with nearly all female respondents ranking financial responsibility and financial compatibility as more important or just as important as career ambition, physical attraction and sex and intimacy, the survey found.

Male respondents said financial savvy is just as important as physical attraction, slightly less important than sex and intimacy and much more important than career ambition. Related: Do you only date people with perfect credit? Share your story. Credit scores are calculated based on your payment history, amount owed, the types of credit you have and the number of years that credit has been available to you.

Linda Basloe, a year-old from Herkimer, N. Why such concern over this magic number?

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Your credit score is calculated using a formula based on your credit report. name; date of birth; current and previous addresses; current and.

Do you feel like you need an advanced degree to figure out what is affecting your credit score? Good news is you don’t—it can actually be rather simple. Behind the number itself credit scores typically range from to , there are five main factors used to calculate credit scores. Lenders use those scores to figure out how likely you are to pay back your debt—thus those scores are often the deciding factor in whether you will get a new loan.

As your financial profile changes, so does your score, so knowing what factors and types of accounts affect your credit score give you the opportunity to improve it over time. While the exact criteria used by each scoring model varies, here are the most common factors that affect your credit scores. Typically, credit files contain information about two types of debt: installment loans and revolving credit. Because revolving and installment accounts keep a record of your debt and payment history, they are important for calculating your credit scores.

Credit mix—or the diversity of your credit accounts—is one of the most common factors used to calculate your credit scores. It is also one of the most overlooked by consumers.

Looking for Mr. FICO: Singles using credit score to filter dates

The Downtown Staunton branch will remain open and operating on its regular schedule. The higher the score, the more likely the consumer is to pay back loans on time. The videos and FAQs below provide information about what goes into your credit score and how it’s used. Scores are based on a snapshot of your credit file at particular consumer reporting agency at a particular point in time, and help lenders evaluate your credit risk.

This data is grouped into five categories as outlined below. The information in your credit files is supplied by lenders, collection agencies, and court records.

While asking for a date’s credit score before going out could be a little awkward, you might find the right person on a dating site that does just.

It’s a beautiful night. You’ve managed to get the best table at your favorite restaurant. It’s the perfect setting for a first date. And things are going really well. There’s definitely some chemistry at work. Maybe it’s time to pop the question That’s a question that could certainly qualify as a mood-killer. Or maybe not. According to articles in major national publications, the single adult population in the U. Going further, one financial advisor suggested that for many daters, the credit score issue falls into the same category as a test for sexually transmitted diseases.

The point is well taken: Your credit score provides a view into your financial past just as an STD test reveals your sexual past. Yes, you can find your mate with a credit score dating service. Want to eliminate the stress of popping the credit score question on the first date?

Dating Services

Right if they swap out the profile picture of their expensive car with an image of their credit score, according to a recent survey by Discover and Match Media Group. The two companies collaborated on the independent survey of online daters to better understand the relationship between finance and romance. For example, 58 percent of online daters say having a good credit score is more attractive than driving a nice car. Likewise, 50 percent think a good credit score is more attractive than an impressive job title, and 40 percent favor a good score over a physically fit body.

Helen Fisher, Ph. Money talks, but your credit score can speak more about who you are as a person, and singles agree that those with good credit tend to be conscientious and reliable.

In fact, in the United States, a dating site exists which matches people, based on their credit score. Is a good credit score sexy? At the very least.

Photo c gustavofrazao – Fotolia Okay, when it comes to dating sites, this might actually be a good idea. While other dating sites use various methods to match people looking for a partner, CreditscoreDating. Members create a profile like they would on any other dating site, including relevant information a potential partner might reasonably want to know. But the profile also has to include the member’s credit score. But isn’t mixing love and money a little crass?

True, focusing on how a potential partner handles a checkbook and credit card might dampen the romance of dating, but it could save some heartache later on. Financial advisor Christopher Krell urges couples to have a candid conversation about money, including their approaches to both spending and saving. Kansas State University researcher Sonya Britt participated in that study, and her research paper reached the same conclusion. Regardless of income, she found arguments over money are a major predictor for divorce.

And that brings us back to credit scores. If one partner has a high credit score and the other a low one, it suggests that one is careful with finances while the other is either reckless or makes a series of uninformed choices. It isn’t a recipe for a happy relationship.

Online Dating Site Matches Users By Their Credit Score

Lender credit-granting requirements, data reporting practices, consumer demand for credit and consumer use of credit have all evolved. As an example, we use credit much more frequently than we used to. If we didn’t, seemingly normal credit usage today would be considered a higher risk than in years past. From there, each lender determines if and when it will upgrade to the latest version. Some lenders make the upgrade quickly, while others may take longer. Think of how people use different versions of computer operating systems or have older or newer generations of smart phones.

This dating sites based on credit score is visible to spend $40 per month, but people in an urban area and school. Unfortunately, ready for in hooking up for.

As a result, you may experience longer than average response and hold times. Our agents are available to support you from am – pm, Eastern Time, Monday through Friday. For the fastest assistance with your security freeze, fraud alert, dispute and free credit report needs, you can visit us at www. Equifax is closely monitoring the outbreak of COVID Coronavirus and the effect it is having on businesses and individuals.

Consumers who are experiencing a financial hardship may be wondering how potentially late or reduced payments might impact their credit scores. We encourage individuals with concerns to contact their lenders and creditors to discuss their options. Additionally, the Consumer Data Industry Association is providing guidance to creditors and lenders on how they can work with those who are affected by the Coronavirus. So, what can you do to minimize the impact of Coronavirus on your credit standing?

Talk to your lenders and creditors and see if any assistance is available. Pay what you can. To avoid having late payments show up on your credit reports, try to make at least the minimum payment on accounts, or pay any amount you and the lender or creditor agree upon. Stay up-to-date on your credit reports. You are entitled to a free copy of your credit report every 12 months from each of the three nationwide credit bureaus by visiting www.

Dating Based On Credit Score Website Celia Bigelow , Jonathan Hoenig Neil Cavuto 2 28 13


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