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...
"So, what's your credit score?"
Oops. 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.S. has started to embrace the credit score as a necessary topic in any dating discussion. 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.
3 reasons to mix credit scores with romance
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? No problem. 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, considering that there are dating websites that focus on age, geographic location, sexual orientation, religion and academics -just for starters.
True love for the financially challenged: piggybacking to improve a credit score
When two people with vastly different credit scores get married, there's always the risk that the high credit score will be dragged down by the low one. Smart couples find ways to avoid this credit score tumble by blending their finances carefully. One tactic frequently used is to "piggyback" the partner with bad credit as an "authorized user" on the credit card issued to the partner with better credit scores. This can also be done on a checking account or mobile phone contract. Of course, it's still important to clear up bad debts and practice the prompt bill-paying habits that build a good credit history and contribute to high credit scores.
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