Credit Score?

[Self Inflicted Wounds]

Opinions please-

So tonight at work someone asked the question - "When is it okay to bring up credit score in a relationship?" After I answered people were pretty up in arms. Out of about 20 people, it was divided 4/16 or so.

Personally I said "pretty early in the relationship." I was shocked at how offended people got by this, as if credit score is some huge personal secret. I wouldn't press the question or make a big deal about it, but I don't see the issue with being open in a relationship. If I can see you naked, why aren't details like this okay to discuss?

[LiiLoSNK]

Immediately. You can't have sex with someone with fucked up credit ever.

That shit is contagious.

[zizzos]

Credit score or lack there of it can be a touchy subject for people. Some people just don't know and don't want to know "blissful ignorance" or it could be that they feel you may take advantage of their credit worthiness. If its early in the relationship I'd recommend not bringing it up. I'd suggest doing it before moving with each other. (At that point you have a right to know).

You ask for opinions i gave you mine.

[Machismo]

It's no different than asking someone how much money they have in their bank account or what type of porn they prefer to watch when they masturbate. People don't often like to speak about personal things, especially when it may be embarrassing.

It's a loaded question, and one that is made out to be highly judgmental.

[zizzos]

It's no different than asking someone how much money they have in their bank account or what type of porn they prefer to watch when they masturbate. People don't often like to speak about personal things, especially when it may be embarrassing.

It's a loaded question, and one that is made out to be highly judgmental.

Couldnt agree more.

[Kathandira]

Opinions please-

So tonight at work someone asked the question - "When is it okay to bring up credit score in a relationship?" After I answered people were pretty up in arms. Out of about 20 people, it was divided 4/16 or so.

Personally I said "pretty early in the relationship." I was shocked at how offended people got by this, as if credit score is some huge personal secret. I wouldn't press the question or make a big deal about it, but I don't see the issue with being open in a relationship. If I can see you naked, why aren't details like this okay to discuss?

My g/f and I are always open about of finances. It keeps us informed of each others standings so we can plan things such as vacations and purchases and such.

[Self Inflicted Wounds]

It's no different than asking someone how much money they have in their bank account or what type of porn they prefer to watch when they masturbate. People don't often like to speak about personal things, especially when it may be embarrassing.

It's a loaded question, and one that is made out to be highly judgmental.

How is that any different than asking "are you religious?" "do you think spanking children is okay?" "what is your favorite band?" All these answers will be judged. If someone told me their favorite band was Taylor Swift, I would judge that negatively.

If someone said they had a lower credit score, but explained that they were in a terrible car accident and medical bills stacked up, that'd be understandable. On the other hand, if they said they have multiple credit cards because they love shopping... obviously I would judge those two scenarios much differently.

These types of questions aren't meant to be judgmental for being judgmental sake, its to get the big picture and get to know someone.

[MonsieuRoberts]

12 of your co-workers are insecure about being judged prematurely.

Credit seems like a pretty important thing to talk about. Would you move in with someone who owes thousands and wouldn't have a prayer of securing a lease without your attendance/commitment? Not if you didn't already have feelings for them, probably not.

"So don't you dare talk about anything that could jeopardize those emotions before you're already committed. Don't you dare!"

[Machismo]

How is that any different than asking "are you religious?" "do you think spanking children is okay?" "what is your favorite band?" All these answers will be judged. If someone told me their favorite band was Taylor Swift, I would judge that negatively.

If someone said they had a lower credit score, but explained that they were in a terrible car accident and medical bills stacked up, that'd be understandable. On the other hand, if they said they have multiple credit cards because they love shopping... obviously I would judge those two scenarios much differently.

These types of questions aren't meant to be judgmental for being judgmental sake, its to get the big picture and get to know someone.

Some people find things to be personal, and that is especially true with finances. You aren't really trying to find out their character, but you are inquiring about their financial worth. It's a rather shallow approach to getting to know someone.

Feel free to ask it all you like. Some people will tell you to fuck off, just like if a girl asks a guy how much money he makes.

[Deleted]

Time to go to the google mobile and see what Credit Score is :P

[MonsieuRoberts]

Some people find things to be personal, and that is especially true with finances. You aren't really trying to find out their character, but you are inquiring about their financial worth. It's a rather shallow approach to getting to know someone.

Totally true, and not something I'd even have on my radar unless things were getting a bit more serious.

As soon as responsibilities rest upon both sets of shoulders however, I'd say that it's important to know where each person stands. And that doesn't just go for cash money in my eyes. There's nothing wrong with seeking the knowledge to make educated decisions. Just don't be a dick about it, and don't reach for that info for no reason other than "I wanna know."

[LiiLoSNK]

It's the same thing as asking someone what their favorite band is. You're doing terrific in the journey for a relationship.

[Machismo]

At what point in a relationship do you care how much money a person has in their bank account? In reality, it doesn't matter, until their finances and yours become intertwined. That's not early in a relationship.

[MonsieuRoberts]

Time to go to the google mobile and see what Credit Score is :P

This is a really poor summary, but think of it as your financial iLvl. Institutions, businesses, rental companies, insurance brokers and more use it to make decisions about what they're willing to let you do; How big of a loan you can ask for, how much credit you can have on a new credit card, if you're a good candidate for a rental or lease, how much to charge you for payment plans monthly etc.

Bad credit scores could suggest that you're not great at paying back money owed, you're in debt from a variety of sources, or that you owe money and aren't necessarily hastily paying it back. If I see that, I might not be inclined to let you sign a year lease on an apartment. It's the same way a low iLvl could indicate that you're not going to be able to do good DPS. That could be completely false and a matter of circumstance; You could have BiS stat weights and rock the meters, or very well hold your own. Either way, as a PuG raid leader who doesn't know this low iLvl player, you're probably just going to go with the highest iLvl; The best candidate based on their past decisions and nothing else.

You can see how that could complicate things if you were to attach yourself to someone with a very poor credit score. It doesn't make life any easier.

[Deleted]

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This is a really poor summary, but think of it as your financial iLvl. Institutions, businesses, rental companies, insurance brokers and more use it to make decisions about what they're willing to let you do; How big of a loan you can ask for, how much credit you can have on a new credit card, if you're a good candidate for a rental or lease, how much to charge you for payment plans monthly etc.

Bad credit scores could suggest that you're not great at paying back money owed, you're in debt from a variety of sources, or that you owe money and aren't necessarily hastily paying it back. If I see that, I might not be inclined to let you sign a year lease on an apartment.

You can see how that could complicate things if you were to attach yourself to someone with a very poor credit score. It doesn't make life any easier.

Thanks Then I don't see a problem talking about it after a few dates, its something important that might stand in the way of 2 people moving forward in a relationship.

[Freighter]

At what point in a relationship do you care how much money a person has in their bank account? In reality, it doesn't matter, until their finances and yours become intertwined. That's not early in a relationship.

You should care about how much money someone has when you consider even getting into a relationship with them.

[MonsieuRoberts]

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Thanks Then I don't see a problem talking about it after a few dates, its something important that might stand in the way of 2 people moving forward in a relationship.

That's moving quite fast for just a few dates, which is what a lot of people replying here are pointing to in their replies. "Surely no one reading this moved in with their S.O after meeting them a few times! So why even bring it up?" Leave it be until it's relevant seems to be the prevailing opinion, both here and from the OP's co-workers' reactions.

As long as no one owes a ton of cash to a ton of people, it'll all be fine, And even if you did have awful credit, chances are good that it would still be fine if both people are normal, functional adults.

And in the end...it doesn't matter. People are going to do what makes them happy either way, good credit or bad. "There's more to life than dollars and cents" and all that justification blabber. Seems like a convenient way to ignore less-than-awesome standards or problems made for oneself by oneself in my opinion. Regardless of what someone wants to get out of life, no one should really be interested in owing tons of money. That' s just not beneficial to anyone's end-goal of life. Is it?

[Machismo]

You should care about how much money someone has when you consider even getting into a relationship with them.

It doesn't bother me at all, until it becomes my obligation to somehow support that person. If that person wants to tell me, fine. I'm not going to ask, because I don't give a shit. It seems like a rather shallow thing to be concerned about early on. Of the top 20 reason to get into a relationship with someone, their credit score does not make the list.

[Freighter]

It doesn't bother me at all, until it becomes my obligation to somehow support that person. If that person wants to tell me, fine. I'm not going to ask, because I don't give a shit. It seems like a rather shallow thing to be concerned about early on. Of the top 20 reason to get into a relationship with someone, their credit score does not make the list.

Money is pretty important, you can't have someone with an income a lot lower than yours and expect them to be able to do things with you unless you pay for them. I know I'm not paying for someone who is supposed to be independent.

[Machismo]

Money is pretty important, you can't have someone with an income a lot lower than yours and expect them to be able to do things with you unless you pay for them. I know I'm not paying for someone who is supposed to be independent.

Credit score is about one's ability to take out loans. That's not important until you wish to share finances, which is deep into a relationship (marriage).

If the issue is simply about money, then the better thing to do is talk about what you do for a living. Nobody ever said you had to pay for people. Personally, I'm not going to let someone's net worth get in the way of whether I enjoy spending time with her.