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Topic: Credit Rating
freeonthree's photo
Sat 06/26/10 09:20 PM

I have never cared much or even bothered to think about a guys credit rating and it has screwed me up and over repeatedly. I still won't check up on something like that, but I do hope the next relationship I get into is with someone mature enough to actually pay his bills and be able to prioritize such matters. The last guy never even bothered to open his bills let alone pay them but spent plenty on hunting and fishing gear and new tattoos.


Boy, talk about havin your priorities mixed up. lol

chelsea466's photo
Sat 06/26/10 09:42 PM
Honestly, a man's credit score doesn't change how I feel about him. If there is love then I guess were going to make in life somehow. We could be dirt poor and as long as we are happy together that is all that matters.

However, he does need to know how to prioritize! That is huge for me. I don't want to be the one carrying all the weight.

willy_cents's photo
Sat 06/26/10 09:50 PM

Honestly, a man's credit score doesn't change how I feel about him. If there is love then I guess were going to make in life somehow. We could be dirt poor and as long as we are happy together that is all that matters.

However, he does need to know how to prioritize! That is huge for me. I don't want to be the one carrying all the weight.
if you hook up for life, then get pregnant, you will be "carrying all the weight" for at least 9 months:tongue:

freeonthree's photo
Sat 06/26/10 10:11 PM

Honestly, a man's credit score doesn't change how I feel about him. If there is love then I guess were going to make in life somehow. We could be dirt poor and as long as we are happy together that is all that matters.

However, he does need to know how to prioritize! That is huge for me. I don't want to be the one carrying all the weight.


I love your way of thinking bigsmile

chelsea466's photo
Sat 06/26/10 10:42 PM


Honestly, a man's credit score doesn't change how I feel about him. If there is love then I guess were going to make in life somehow. We could be dirt poor and as long as we are happy together that is all that matters.

However, he does need to know how to prioritize! That is huge for me. I don't want to be the one carrying all the weight.
if you hook up for life, then get pregnant, you will be "carrying all the weight" for at least 9 months:tongue:


It wouldn't be the first time it has happened He just better be able to deal me. laugh

chelsea466's photo
Sat 06/26/10 10:44 PM


Honestly, a man's credit score doesn't change how I feel about him. If there is love then I guess were going to make in life somehow. We could be dirt poor and as long as we are happy together that is all that matters.

However, he does need to know how to prioritize! That is huge for me. I don't want to be the one carrying all the weight.


I love your way of thinking bigsmile


Thanks flowerforyou

TxsGal3333's photo
Sat 06/26/10 11:37 PM
Does not really matter to me. I'm one that if I want it and have the money to buy it I get it.. Got rid of all my credit cards long time ago and have my own house....

Not looking for someone to totally support me I just want them to be able to contribute something......

Now it might make a difference if they are being sued by everyone in town and their wages garnished. whoa

jadday's photo
Sun 06/27/10 12:44 AM
At work I deal with situations like this everyday. Newly married couples trying to buy their first home together or even a car. One of them has horrible credit and the other has good credit. I can feel the tension in the room the minute I discuss this with them. Some people just don't think to mention their financial status to their significant other prior to marriage.

Personally, I could care less what your credit rating is because I know where mine is. The only concern I would have is if you aren't able to manage your money then you might not be able to manage other things in your life either. Now I am not talking about those that have been unemployed due to the economy or anything like that. I am talking about those that spend money they don't have just to spend it.

no photo
Sun 06/27/10 03:35 AM
It's a HUGE factor. However, it would not be an issue until the relationship progressed into cohabitation, marriage, or making purchases together. Credit rating should not be the sole determinant. People should take into account the assets that their paramour owns, their debts, and account history before making any judgments.

Can you imagine marrying someone who may be 10, 20, or 50k in debt? That will haunt you for at least 7 years. Not to mention that if you are interested in working for the government or in any defense related position it jeopardizes a security clearance -- which is a make or break factor on tons of jobs.

EquusDancer's photo
Sun 06/27/10 05:11 AM
I have sucky credit. I was doing pretty good getting caught up before last year when I was out of work for 9 months. I have about 30k in student loans that will go active in 6 months and another 10k in debts that I'm still paying off from my time with the ex. At this point I've been waiting them out till they bid me a 60-80% cut of the original price. Since most of that is interest they can kiss my butt. Either way I am stuck being able to get or really do anything so I will wait them out.

I am well aware that this affects truly being able to plan for anything major like a cabin or place of my own and its probably some of why I don't date because I can't be on a more equal standing. I do believe that I will go with separate financial accounts in the future so I don't end up with his debts when he decides not to pay them.

hmlover's photo
Sun 06/27/10 06:43 AM
I can't imagine how one's income or credit rating could have anything to do with your ability to love that person... marry them, maybe a problem, but love them, no bearing whatsoever.

Goofball73's photo
Sun 06/27/10 09:28 AM
Ok. So you meet someone, and you begin to like them. You like everything about them. After some time, you realize that you are falling in love with this person. You can't imagine your life without them in it. Then you find out they have huge debt (that they are working on) and thus their credit isn't so good. Oh, I'm sorry...guess you aren't as "perfect" as I thought. Your credit sucks so gotta say bye bye to ya. Talk about being shallow. whoa


EquusDancer's photo
Sun 06/27/10 01:08 PM
While money and credit shouldn't matter, the fact that you can't plan on owning a home, or having a decent car does, and for many, that's part of the being together part. Love doesn't plan futures, except in the fun sense. It's credit ratings, and finances that do. And it's even more important if one person isn't honest about the issue, and it ends up tearing the other person down, financially, because that can then affect emotionally and physically.

It's been said frequently, that it's financial issues that do the most damage and cause the most divorces. So, while credit ratings shouldn't be a problem, from a realistic point of view, they are!

msmyka's photo
Sun 06/27/10 02:19 PM

Money shouldn't matter but it does put a strain on the relationship when one person makes a lot more than the other. As far as credit goes, it's not really an issue until you want to get married or buy a home together. At that point you are in it for the long haul and can work on improving your credit together.

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