Some people may say that it is unromantic to think about finances on a first date. However, studies have shown time and time again that people who date people with similar credit scores, are more likely to get along with those people romantically.
This could be a result of many factors. For instance, people with similar credit scores are likely to be in similar income brackets and as a result have similar tastes and habits. And, people who have similar credit scores (whether low or high) are also likely to have similar attitudes to life. Think about it. If your partner is scrupulously obsessed with keeping their credit score perfect and you on the other hand are a little more relaxed on the subject, having missed a few payments here and there – you’re likely to have pretty different personalities.
Bearing all this in mind, we have created 7 handy first date tricks to help you to find your credit score match. Read on to take advantage of these handy romantic (and financial!) hints.
Talk about mortgages.
OK, now mortgages may not be the most romantic topic on the face of it, however they are linked to several deeper aspects of our lives. For instance: do we want to settle down? Are we a homeowner? Do we want to share a home with someone we love, or would we rather travel the world with them? A negative credit score can affect your chances of getting a mortgage, and so why not approach the issue by talking about deeper topics such as whether you and your date see yourselves settling down in a love nest in a couple of years’ time. Now that can be a highly romantic topic of conversation!
Talk about marriage.
Did you know that if you are married, your partner’s negative credit score can affect your own? Discussing your respective attitudes to marriage on a first date is a good way of establishing whether your potential partner values stability – both financially and romantically. After all, these two types of stability often go hand in hand.
Check in with them about their past regrets.
Asking someone what their biggest regrets are is actually quite a common first date question! It’s away of getting to know someone. Sometimes, those regrets will be financial ones – debts got into, loans taken out for projects that headed off track. Or, maybe your future lover regrets being too careful with their money! Whatever answer you get to this question, you will be able to move on to ask them about their credit score if you like, or simply use the discussion to gauge their attitudes to risk and reward more generally.
Talk about careers.
Are you both members of the precariat? You can bond over that! Or, maybe you both work in the same financially stable profession. Either way, talking about your career prospects, hopes, and pasts is a brilliant way to get to know each other – and each other’s credit scores.
Ask what they would do with a large sum of money.
If you won the lottery tomorrow, what would you do? This is such a common first date question. If your date says ‘use the money to pay off all of my considerable credit card debts’ or ‘haul myself out of bankruptcy’, then you may get a fair idea of their credit score! Of course, if someone has a poor credit score, that does not mean that you should not date them at all – all this indicates is what their attitudes to life are like, and whether they match yours.
Ask them how organized they are.
Another great question which helps you to get to know both your partner’s personality and their credit score. If someone is very disorganized, they may find it hard to keep on making payments on time to their various creditors. A super organized person will usually be on top of their credit and their finances.
Just ask them about their credit score.
If you want to be honest with your date, why not just cut to the chase. Ask them what their credit score is like, and divulge yours too if you feel like it. You could open this conversation by saying ‘I just read a fascinating little article about how to find your credit score match on a first date…’
In conclusion, asking someone about their credit score on a first date is a great way to find out if you guys will be a good match in the longer term. And, you do not need to do so in a blunt way if you don’t want to: ease into the conversation with a discussion of general topics such as life plans and attitudes to money.