This could be due to many factors. For example, people with similar credit scores are likely to have similar income levels and, as a result, have similar tastes and habits. And people with similar credit scores – low or high – likely have similar attitudes to life, too. Think about it. If your partner is scrupulously obsessed with keeping your 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 probably have quite different personalities.
With all of this in mind, we’ve come up with 7 handy first date hacks to help you find your credit score. Read on to take advantage of these handy romantic (and inexpensive!) Tips.
Talk about mortgages.
Well now mortgages may not be the most romantic topic at first glance, however they are tied to several deeper aspects of our lives. For example: do we want to sit down? Do we own a home? Do we want to share a home with someone we love, or do we prefer to travel the world with them? A negative credit score can affect your chances of getting a mortgage, so why not address the issue by talking about deeper issues, like you and your date find themselves nestled in a love nest in a couple of years? ? That can be a very romantic conversation piece!
Talk about marriage.
Did you know that if you are married, your partner’s negative credit score can affect yours? Talking about your respective attitudes toward marriage on a first date is a good way to establish whether your potential partner values stability, both financially and romantically. After all, these two types of stability often go hand in hand.
Check with them about your past regrets.
Asking someone what their biggest regrets are is actually quite a common first date question. He is far from knowing anyone. Sometimes those regrets will be financial: debts were incurred, loans were taken for projects that went off track. Or maybe your future lover will regret being too careful with his money! Whatever answer you get to this question, you can move on to asking them about their credit score if you wish, or just use the discussion to assess their attitudes towards risk and reward in general.
Talk about racing.
Are you both members of the precariat? You can join that! Or maybe you both work in the same financially stable profession. Either way, talking about your career prospects, hopes, and past is a brilliant way to get to know each other and each other’s credit scores.
Ask them 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 quote says ‘use the money to pay off all my sizable credit card debt’ or ‘get me out of bankruptcy’ then you can get a clear picture of your credit score! Of course, if someone has a poor credit report, that doesn’t mean you shouldn’t date them at all; All this indicates how their attitudes towards life are and if they coincide with yours.
Ask them how organized they are.
Another great question that helps you know both your partner’s personality and their credit score. If someone is very disorganized, it can be difficult for them to keep paying their various creditors on time. A super organized person will generally be on top of your credit and finances.
Ask them about their credit score.
If you want to be honest with your date, why not cut to the chase? Ask them what their credit score is like and disclose yours too if you wish. You can start this conversation by saying ‘I just read a fascinating little article on how to match your credit score on a first date …’
In conclusion, asking someone about their credit score on a first date is a great way to find out if the two of you will make a good long-term partner. And you don’t have to do it in a forceful way if you don’t want to: enter the conversation with a discussion of general topics like life plans and attitudes toward money.