Your partner’s credit score could reveal red flags that have nothing to do with money

What does this mean for your dating life? If you have a good credit score , then perhaps that is one detail worth mentioning at some point in the dating phase. But, on the first date, it might be a bit strange to drop into the conversation. Not that these associations are inherently true. You have to consider carefully how to merge finances after marriage. So much of our lives are tangled up in finances, which is probably why financial management ranks so highly among survey respondents in the dating pool.

How to tell if you and your date are ‘financially compatible’

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.

You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and.

Monitoring your credit score can also help you prevent, or deal with, bad credit—by quickly alerting you to possible problems and, at many of the services mentioned below, giving you tips on improving your score. By logging on to AnnualCreditReport. However, these reports will not give you a credit score. While you can pay one of the reporting companies for your credit score, you really don’t have to anymore.

Here are five free services and five credit card companies that provide credit scores to consumers, along with what each of them offers and how they differ. Credit Karma provides free credit scores and reports from TransUnion and Equifax that are updated weekly, and you don’t have to provide a credit card to register. In addition to those two scores, there are other, more specialized credit scores, which are used by insurance companies, for example.

You also get free credit monitoring for your TransUnion report, a credit factors analysis that summarizes key details from your credit report , and a free credit score simulator that shows you how various actions, like adding a new credit card or increasing your credit line, are likely to affect your credit score.

Credit Karma also offers a free auto insurance score. This one gives members access to their VantageScore from TransUnion. The site also provides personalized tips based on your credit profile and goals. And finally, it gathers all of your credit information and makes money-saving suggestions. If you’re overpaying in fees and interest, it will give you options you can use to lower those payments. The site also provides credit monitoring and alerts in case your profile or identity is compromised.

In What World Is Credit-Score Dating Actually a Thing?

Valentine’s Day is a holiday all about love, but many millennials today aren’t ready for commitment if it doesn’t also come with plans for a solid financial future. A potential partner’s credit score doesn’t have to top your list of concerns when it comes to dating. However, researchers from the Federal Reserve Board, the Brookings Institution and UCLA stated in a research paper that “credit scores reveal an individual’s relationship skill and level of commitment.

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 that. The case for knowing may be worth it, though, as the same researchers found that credit scores can be used to reveal information about trustworthiness and commitment—important relationship factors.

Just sign on to one of the online dating services that puts credit scores into the dating equation. A credit score dating service shouldn’t come as a surprise.

Jennifer Murtoff, 39, wants to do just that before she accepts her next date. She could find the answer on CreditScoreDating. Plenty of other people agree. The age breakdown is somewhat similar to that of Match. Credit scores are derived from a complex formula that weighs factors such as outstanding debt, payment history and new credit lines.

The three-digit number is used to predict the likelihood of delinquency on obligations from credit card bills to a mortgage. In general, scores of to are considered excellent, while the to range is deemed good, says Ken Lin, founder of San Francisco-based credit and financial monitoring website Credit Karma. But by , things got very treacherous, and it started to make a lot more sense. And we started to get a lot more members. There is some evidence to back up the notion of creditworthiness as 21st-century kindling for romance.

Further, credit scores are significantly more important to women 75 percent than men 57 percent. Well, at least they are not paying anything for the privilege thus far. Alas, all dating sites are vulnerable to lies told by the lovers who use them. And when it comes to credit scores, Green knows how tempting it is to bend the truth, which is why he wants to get a third party involved to verify what members say.

Credit Score Dating owner Niem Green is Delaware’s matchmaking mogul

The first credit card debuted in , and 62 years later, Tinder, one of the first location-based dating service apps launched for singles everywhere. On Tinder, users can move their finger to the left or right across the screen of their phone to strike up a conversation with a potential partner. A swipe yes indicates interest while a swipe left is a polite decline.

Checking your credit score is right at your fingertips using a smartphone app. Multiple websites are urging you to check out their free educational scores. at an earlier date and has been updated with new information.

If you’re thinking about buying your first home or a new car but are worried your credit score will prevent you from making these purchases, we have three pro tips to help you boost your credit score quickly, which may help you qualify for a better rate on your mortgage or pay less for those dream wheels. Credit card companies generally report credit standing once a month, but there’s no set date when this happens.

Credit bureaus let lenders set their own schedules, so if you can sleuth out this information, you can use it to raise your credit score. I started using a credit bureau’s app on my iPhone last year and was pleasantly surprised to get pop-up alerts whenever a creditor reported my credit standing. You can also call your lender and ask when they report. So how does knowing this date help your credit score?

Let’s say you have some extra money to whittle down your balance. Your lender reports to the credit bureaus around the fifth of the month. What you’d want to do is make sure you get this big payment to them at least five business days before their reporting date so the balance reported to the credit bureau reflects this large payment.

Check Your Credit Score

By Christian Gollayan. Paillant, who attends graduate school in Miami, asks potential suitors their credit scores by the fourth date. I need a man who can take care of himself, too. Millennials, who came of age during the recession and carry astronomical student debt, are bucking the tradition of staying mum on money and prioritizing it when looking for a mate.

Your Credit Score Could Make or Break Your Love Life. Or so it seems from a new survey placing those three digits above looks, ambition.

And how they handle their finances tells you a lot. Those are the same fundamentals of solid relationships. A report by the Federal Reserve Board would appear to back up Green’s claim. The study followed 12 million U. But Green said he did not tell his family or friends what he was up to until when Credit Score Dating caught the attention of “The Today Show. Today, Credit Score Dating has , members, including 70, actively daily users, Green said.

Much of that success is based on a near constant stream of interest from media outlets, ranging from The New York Times to the Breitbart News Network. Green declined to discuss his company’s revenues, which are generated from both advertising and fees users must pay to upload photos or message potential matches. But the self-described “daydreaming mogul” has parlayed the site into a mini-media empire that now includes motivational speaking gigs, a trio of self-help books and a summer youth camp at the Rose Hill Community Center near New Castle, where he maintains an office.

Green is now working to land a television production deal for a Credit Score Dating-based reality show.

Free Credit Reports

This article is from the archive of our partner. Ah, love in the early aughts, a time when you might meet a super girl or guy, fall in love, and then find out that person has a subpar credit score and have to dump them. In order to prevent that sort of emotional bellyflopping, you should just ask first, right? Those four little words, so easy, so important, so relationship-killing:.

On her second date with a man she met through an online dating service, Lauren was surprised when he revealed his credit score over dinner.

You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies Equifax, Experian and TransUnion. You can request a copy from AnnualCreditReport. You can request all three reports at once or you can order one report at a time. By requesting the reports separately for example, one every four months you can monitor your credit report throughout the year. You are also eligible for reports from specialty consumer reporting companies.

We put together a list of several of these companies so you can see which ones might be important to you. You have to request the reports individually from each of these companies. Many of the companies in this list will provide a report for free every 12 months. Other companies may charge you a fee for your report. Please do not share any personally identifiable information PII , including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.

Skip to main content. Credit Reports and Scores. Box Atlanta, GA You can request all three reports at once or you can order one report at a time.

Online dating site matches users by credit score

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.

Even if you’re single, your personal credit score matters to other people beyond just your landlord and lenders. If you’re wondering about how your credit score could impact your dating life, here Results may vary, see website for details.

It’s easy to get swept up in the romance of Valentine’s Day. Yet, all the heart-shaped chocolate in the world can’t make love last. The vast majority of those in a recent poll said substantial credit card debt is a turnoff and bad credit, in general, is a red flag, according to WalletHub. More than a third, or 38 percent, of adults would not date someone with bad credit, WalletHub found. And more than half, or 53 percent, of those surveyed would not marry someone with bad credit.

WalletHub polled more than adults at the end of January. According to a separate study by Finder. Still, “singles with unsettled loans might want to sort out their balance sheets before hitting the dating scene,” she added. In fact, the higher your credit score when a committed relationship starts, the less likely you are to break up after the first few years, according to research by the Federal Reserve Board. Well-matched credit scores also bode well for a long-lasting love. Credit scores reveal an individual’s relationship skill and level of commitment, the report concluded.

Those with the highest credit scores were most likely to form long-lasting committed relationships, the study showed.

Your Credit History

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

“[I] made it a last date.” To cater to the credit-obsessed, there are even dating sites where you can find someone in your score range. At.

The Attorney General provides Consumer Alerts to inform the public of unfair, misleading, or deceptive business practices, and to provide information and guidance on other issues of concern. Consumer Alerts are not legal advice, legal authority, or a binding legal opinion from the Department of Attorney General. Dating services, whether online or “real life,” can lead to more than romantic encounters.

Dating businesses — particularly online dating services — have become popular and profitable in recent years, and consumers should be aware of unwanted companions that may accompany their subscriptions. The tips immediately below apply to all types of dating services. Tips specific to online or location-based services are listed later. Security and safety risks – becoming a victim of stalking or identity theft if your personal information is misused by other dating service members, company employees, or others who gain access to information about you.

Where to Get a Free Credit Score