I know it's shallow, but I met a guy who is my type, we hit it off completely. But I found out his credit score is only 579. We're both in our late 40s, I feel like he should have his shit together, or at least be trying. He's not. Should I continue to see him?
Date a guy with a low credit score?
|by Anonymous||reply 86||Last Tuesday at 6:43 PM|
Post a picture of his cock, and then we will decide
|by Anonymous||reply 1||03/12/2019|
If that's the kind of person you are, yes, you should give him the immediate opportunity to be free of your judgmental cuntescence.
|by Anonymous||reply 2||03/12/2019|
Credit scores don't snuggle up with you in the moonlight, OP.
|by Anonymous||reply 3||03/12/2019|
How did you find out his credit score?
|by Anonymous||reply 4||03/12/2019|
You sound like a superficial p.o.s. I hope he finds out that you (1) know his credit score and (2) are so bitter in life that you'd consider not dating him based on something so stupid.
|by Anonymous||reply 5||03/12/2019|
I once dated a bankrupt guy
|by Anonymous||reply 6||03/12/2019|
I gotta be honest; I wouldn't. My credit score is in the eight hundreds and I've protected and nurtured it my entire life. I'm thirty-six and view those who don't have the same financial "morals" as I have as just incompatible. The reality is that someone who's in their late forties would have had to make some very bad decisions to garner a score in the five hundreds. To be fair you should just come out and ask him about it.
|by Anonymous||reply 7||03/12/2019|
Well, is he cut or uncut?
|by Anonymous||reply 8||03/12/2019|
[quote]My credit score is in the eight hundreds and I've protected and nurtured it my entire life.
You [italic]nurtured[/italic] a credit score?
|by Anonymous||reply 9||03/12/2019|
I’d be careful, truthfully. He’s a bit too old to be that reckless with his credit rating. There’s probably a long conversation coming if you continue to date. That’s likely “well, there was an uhhhh-gly divorce and I got shafted and had to declare bankruptcy”. Along with carrying lots of credit card debt and making minimum payments and those were late.
Just not somebody you let anywhere near your money. If you can’t trust somebody with your money, question the rest of his judgement.
|by Anonymous||reply 10||03/12/2019|
It depends what you are looking for. If you are dating to get married and buy a home together then that might be a factor. In several years. But it sounds like you barely know this person. If it's such a big issue to you then you should let him know.
|by Anonymous||reply 11||03/12/2019|
Did he tell you, did you ask, or did you just research him on your own?
Because credit can improve but judgmental people seldom do.
|by Anonymous||reply 12||03/12/2019|
Op, run the other way. No responsible person has a credit number that low
|by Anonymous||reply 13||03/12/2019|
I've certainly nurtured mine R9. I'm not the poster up thread but, yeah, I've absolutely nurtured my credit score. I've done so by not buying what I can't afford. These days, your credit score is everything so I think a little nurturing is called for.
|by Anonymous||reply 14||03/12/2019|
|by Anonymous||reply 15||03/12/2019|
There's absolutely nothing stupid about it R5. You sound like your credit score is low too. Perhaps OP can fix you up with his loser since he doesn't want him.
|by Anonymous||reply 16||03/12/2019|
Credit scores can be repaired if you are willing to break your bad financial habits. Sometimes, all it takes is paying your bills on time and not maxing out your credit cards.
|by Anonymous||reply 17||03/12/2019|
He's twice married, no kids. Came out late in life. He told me about his score, it isn't due to the divorces, they pretty much all went their separate ways with what they brought in the relationships.
|by Anonymous||reply 18||03/12/2019|
"See" him? Yes. Get financially involved with him? Oh hell no! Don't loan him money, & don't spend more money on him than he spends on you (restaurants, etc). In other words, don't let him run a game on you that ends up costing you money, even little bits at a time.
Do you know why his FICO core is so low? Some times it's because of situations completely out of someone's control, such as huge medical bills, or the loss of a job. If it's for a reason like that then you could possibly rest easier if you get more involved with him. If it's because he's a moron with money and has no self control over his spending then I wouldn't get any more involved with him other than an occasional pump, dump & run.
|by Anonymous||reply 19||03/12/2019|
Coming out late in life is almost always a deal breaker. Big sign of cowardice. Twice married shows impulsivity, desperation, and no self ontrispection. No kids though is a good one.
|by Anonymous||reply 20||03/12/2019|
A high credit score only proves that you're good at borrowing money and paying it back with interest, and that you're a good mark for financing companies.
It's not a sign of actual wealth.
A low score however, is a stong indicator of poor financial hygiene.
A zero credit score is a clue that somebody knows how to actually save money and not nees to borrow and would be a sign of actual wealth.
|by Anonymous||reply 21||03/12/2019|
He's basically got no tradelines. No credit in his name. I didn't want to make him feel bad, but I can't fathom how that's possible at his age.
R20 from what he tells me, there was barely any sex, for obvious reasons.
|by Anonymous||reply 22||03/12/2019|
R21 he's most definitely not wealthy, lol.
|by Anonymous||reply 23||03/12/2019|
Credit scores are a huge invasion of our privacy and should not be allowed. You are an asshole, OP, for giving them any legitimacy whatsoever.
|by Anonymous||reply 24||03/12/2019|
OP, r23 I should have been more clear: "no" credit score, or a lack of a score, is a sign that someone actually has money and doesn't need to borrow.
|by Anonymous||reply 25||03/12/2019|
I agree. OP is a nosy, judgmental douche.
|by Anonymous||reply 26||03/12/2019|
[quote] A zero credit score
There's no such thing.
|by Anonymous||reply 27||03/12/2019|
You can, just don't think you'll be able to marry and buy a house or anything with him. Ain't nothing wrong with a broke guy, especially if he's cute.
|by Anonymous||reply 28||03/12/2019|
Actually, I just saw the "no tradelines" thing. This is so not a problem, that 579 will rise as soon as he opens his first credit card. No credit history is a big difference from terrible credit history.
|by Anonymous||reply 29||03/12/2019|
OP, this is a small matter that I would ignore, though I would keep your finances separate. Also, if you marry, you also marry his debt.
If you meet in your 20s and build a life together, or you have kids, I can understand sharing finances. Otherwise, I think it’s stupid to do so.
|by Anonymous||reply 30||03/12/2019|
If he has little to no credit in his name then obviously it was all in his wife's name which tells me he went into the marriage with bad credit.
|by Anonymous||reply 31||03/12/2019|
OP, you're not a woman, the only consideration should be whether you find him physically attractive.
|by Anonymous||reply 32||03/12/2019|
But then, if he's hot, a great fuck, and has a huge dick, most anything is workable.
|by Anonymous||reply 33||03/12/2019|
OP, mine is around 830. Are you hot?
|by Anonymous||reply 34||03/12/2019|
My old boyfriend wanted to open a joint bank account. I saw no reason to do so. We were together for two years at that point and there didn’t seem to be a need for it. Then a few months later, he broke up with me. I’m glad I didn’t get financially involved with him.
|by Anonymous||reply 35||03/12/2019|
I dated someone with a low credit score but he didn't care and came from money. He had several fights with American Express and cosigned some loans for friends. His attitude was there was nothing he couldn't buy outright, including multiple homes, cars, etc. He was worth way more than I realized, at least 50 million, and stands to inherit another 200 million when his Mother dies and his Grandparents trusts are liquidated. He uses cash, debit cards and he has a UBS card tied to his account but it's not a debit card so he can rent cars on vacation. He refers to himself as living off the credit grid. He also has an aversion to on line shopping and had a secured credit card he used only for that. His Grandfather owned a lot of land under office buildings and hotels in New York which he bought during the depression and World War 2.
|by Anonymous||reply 36||03/12/2019|
R35 that was a close call! Major absconding of funds was in your future
|by Anonymous||reply 37||03/12/2019|
My credit score was in the high seven hi dress. then I gave my sister my emergency fund because she got behind on rent several months. A few months later, my business took a hit and I got behind and things snowballed. I know have a credit score of 520. I'm filled with shame about it, and I'm slowing working my way out if debt. (I have less than $3K in credit card debt, a 10K loan, 12K in back taxes and a 9K dental bill to pay down.) Some people just get behind it. It's not a statement of their character, which matters a fuck ton more than their credit score. he told you to be honest. That should speak for something. It sucks that you're using it against him.
|by Anonymous||reply 38||03/12/2019|
OP is a weirdo.
|by Anonymous||reply 39||03/12/2019|
R36, I suspect your friend is actually a grifter.
|by Anonymous||reply 40||03/12/2019|
I was in my 40s and found out I had a low credit score. I had always paid everything on time and never borrowed. But because I was so fiscally responsible, I was rated low.
People without credit cards and debt have low credit scores. The system is designed to reward living beyond your means. So it is possible this guy is more responsible than you.
I finally got credit cards, which I pay off twice a month. Still cannot break 800 because I do not carry debt and pay everything before it is due.
|by Anonymous||reply 41||03/12/2019|
That "reward living beyond your means" is just pure crap. You don't have to use credit, you just have to have tradelines for a LONG time. Hell, you can make money on credit cards. Get the ones that pay $100 to $200 when you spend some reasonable amount that you were probably going to spend on your home or car insurance, pay it off, then collect your bonus, and throw the card in a drawer.
|by Anonymous||reply 42||03/12/2019|
OP at first I was willing to give him the benefit of the doubt that he was just someone who never needed credit because low credit doesn't automatically mean bad finances but with the other details I'm leaning towards him being irresponsible with money. Does he seem at least sucessful or capable in other ways? If he isn't then you could be looking at a relationship that in the longterm feels like you're a parent rather than a partner. I guess at least he isn't lying about his situation.
|by Anonymous||reply 43||03/12/2019|
Does he shoot far? Or does that suck like his credit score too?
|by Anonymous||reply 44||03/12/2019|
R42, not everyone needs credit cards and loans. If you do not ever spend more money than you have on hand, you do not need either .
And I learned to my surprise that if you do not have credit cards or borrow, the reward is a crappy credit rating.
I had been thinking I was doing the right thing until I applied for my first credit card and was told that I had a horrible credit score. I had only ever borrowed student loans, so I thought I was doing great.
|by Anonymous||reply 45||03/12/2019|
The wisest rule you'll ever live by is: OPENING A JOINT BANK ACCOUNT WITH ANYONE, EVEN A SPOUSE, IS A RECIPE FOR DISASTER! The only time I think you should do it is if you have an aged parent who can still live on their own but can't handle the financial responsibilities such as paying bills, etc.
|by Anonymous||reply 46||03/12/2019|
I briefly was "seeing" someone, and two weeks in he got upset because I covered the buttons while I was typing my p.i.n. at an a.t.m.. It wasn't that I didn't trust him (he had tons of inherited money), it was just none of his business. I asked if he would let me see his and he said no.
|by Anonymous||reply 47||03/12/2019|
R47 wasn't that a Jerry Seinfeld episode?
|by Anonymous||reply 48||03/12/2019|
Sizemeat verificada. Now.
|by Anonymous||reply 49||03/12/2019|
R10 basically said what I would. Someone in their late 40s with that type of terrible credit would absolutely give me pause. It shows they are irresponsible and reckless to a worrying extent.
The people who pretend otherwise I'm sure have never been in an adult relationship.
|by Anonymous||reply 50||03/12/2019|
[quote] Still cannot break 800 because I do not carry debt and pay everything before it is due.
That's actually not true. I have never carried any debt. I have never had a mortgage. I paid cash for my main home that I've lived in for 43 years. I've have a summer home that I also paid cash for. I have always paid cash for my cars & I've never taken out a loan, not even a cash advance on a credit card. I have 3 credit cards that I predominately live on. I pay almost every daily expense I incur with those 3 credit cards and pay them off in full a few days before the statements drop so that my monthly statement balance reported to the credit agencies is always zero. And I have a credit score of 834 (as of today). I'm 65 years old and have been doing things this way my entire adult life. So keep doing what you're doing. Your score will increase over time.
|by Anonymous||reply 51||03/12/2019|
A credit score doesn’t tell you everything. But it tells you something. Having owned and rented out many rental units over the years and I now also dabble in property management, I’ll tell you that we do not consider people with low scores to be an acceptable risk. It can be an indication that areas of their life are not together. Financial obligations are commitments. How a person pays their obligations could indicate how they feel about commitments, or how well they will perform with commitments. I might take a hard pass on the guy unless the credit is afoul from MEDICAL debt. That is usually a legitimate circumstance that could’ve been beyond his control. But if it’s petty shit like credit cards, evictions/unpaid rents, car repos, unpaid cell phone bills, etc...pass.
|by Anonymous||reply 52||03/12/2019|
Is he a druggie? Or a gambler?
|by Anonymous||reply 53||03/12/2019|
And breaking 800 is no magic wand. If your score is 760 or above you're not going to have any problems. The average credit score for Americans is 687. You'd be shocked if you knew what most people's score is who are responsible for reviewing your credit worthiness in any situation. Most of them could only hope to have a 760 or higher credit score.
|by Anonymous||reply 54||03/12/2019|
I only date men who are generous. I certainly wouldn’t date a broke man.
|by Anonymous||reply 55||03/12/2019|
r45, you may not need credit or a good credit rating today, but things can happen in the future. There are plenty of credit cards that when used correctly won't make you pay a nickel more than if you had paid cash and with some, less, and in the process, you are prepared for the unexpected. It's FREE insurance.
Chase Freedom is giving 5% back on gas stations and drug store right now. I'm saving money on my gas that I have to buy anyway. Discover is giving 5% back on groceries. My newest card is 0% interest for 13 months plus a $100 bonus for spending $1,500. I'm banking the money I would have spent anyway and getting 2.2% while it sits in the bank ready to pay the bill when the 0% promo runs out.
When I lost my job in 2010, I was out of work for a 1-1/2 years. I was able to use my credit cards where they were accepted, preserved my UI benefits for minimum payments and places that don't take cards like for my car payment, and I was able to strategically stay afloat, and I only spent $75 in finance charges.
|by Anonymous||reply 56||03/12/2019|
OP my credit score is 550. I am 41-years-old. Date me?
|by Anonymous||reply 57||03/12/2019|
Don't use the free credit score sites to find out what your score is. Those sites are not trustworthy. Credit Karma for example only pulls from 2 of the 3 reporting agencies. And it happens to be the 2 that most financial institutions don't even use. The most popular reporting agency with retail and financial concerns is Experian. The free sites only pull from Trans Union and/or Equifax.
|by Anonymous||reply 58||03/12/2019|
AMEX gives you score. Doesn't anyone else get one?
|by Anonymous||reply 59||03/12/2019|
|by Anonymous||reply 60||03/12/2019|
R38 I wouldn't beat myself up too badly over it.The average score is 687, which means at least 50% of those Americans are well below it.
|by Anonymous||reply 61||03/12/2019|
Upthread guy who said you can’t have a zero score..I didn’t post that zero score but I know Asians moving here don’t have credit scores (they pay cash for everything ) and no credit is considered as bad as bad credit for purposes of getting credit.
|by Anonymous||reply 62||03/12/2019|
I don’t know my score, because I don’t need to.
|by Anonymous||reply 63||03/12/2019|
How about helping him out with repairing his credit OP?
|by Anonymous||reply 64||03/12/2019|
OK, I'm old and out of the mainstream, but isn't it kind of creepy that a new prospect knows everything about you, including your credit score (! ), before you get to first base?
|by Anonymous||reply 65||03/12/2019|
^he shared it with OP. I sold cars briefly in college and an applicant for credit had a fairly recent (few yrs) bankruptcy but a high credit score.
|by Anonymous||reply 66||03/13/2019|
R66 how's that possible?
|by Anonymous||reply 67||03/13/2019|
Yes, you're right OP, it is shallow -- my credit score is crap, due to my job being eliminated after 28 years, no income for 20 months, and medical issues which led to being on disability, which translates to my income being 40% of what it once was.... But the house is paid for, as is the car. But I probably would not want to date you.
|by Anonymous||reply 68||03/13/2019|
OP And you wonder why you are all on your lonesome?
|by Anonymous||reply 69||03/13/2019|
I'm not "all on my lonesome" though r69, so reevaluate your (lack of) conclusion reaching skills.
|by Anonymous||reply 70||03/13/2019|
I'm sure r68 and r69 are not shallow, I'm sure they're both fine with dating obese men and very ugly men, because they are so above shallowness.
|by Anonymous||reply 71||03/13/2019|
R68, a broke disabled man wouldn't want to date me. How can I go on, knowing I can't have all that?!😂😂😂
|by Anonymous||reply 72||03/13/2019|
If you cannot discuss this with the actual person in question, you may not have the interpersonal skills needed to maintain a relationship.
|by Anonymous||reply 73||03/13/2019|
It is harder to have a score in the 800s if you don't have installment loans, such as student loans, car loans or mortgage payments.
|by Anonymous||reply 74||03/13/2019|
|by Anonymous||reply 75||03/14/2019|
Date him? Yes.
Marry him / Move in with him / anything more serious with him? Talk to him about what the issue was since it would be relevant then.
In my 20s I was one of those people who, thanks to a good job, was able to pay off my student loans quickly. I then figured that I only needed one credit card and I never used it because I just paid everything with cash or debit from my bank account. I paid my bills on time, had a cell phone but didn't need a car and never opened any lines of credit in any form other than my old loans which were paid off. My score sucked.
I really wish they would start early and teach kids this stuff in school because spending within your means and nothing outside of that isn't enough. It is slightly more complex than that.
|by Anonymous||reply 76||03/15/2019|
I don't know OP. Are you Chinese?
|by Anonymous||reply 77||03/15/2019|
No, I'm not Chinese, why?
|by Anonymous||reply 78||03/15/2019|
|by Anonymous||reply 79||Last Tuesday at 2:15 PM|
OP did you ever ask this guy why he has a low credit score? Did you tell him that you threw him under the bus on a gay blog before even asking him the reason?
|by Anonymous||reply 80||Last Tuesday at 2:27 PM|
Yo, what’s a credit score?
|by Anonymous||reply 81||Last Tuesday at 3:09 PM|
R80 yes, and yes, he's fine with it.
|by Anonymous||reply 82||Last Tuesday at 3:38 PM|
A relationship is about 'he gives me what i need'. Now that could be Love...kindness...even Drama...so if Credit score is a high priority, then he doesnt give u what u need. But something will inevitably bw missing..its about the things that are present makjng a high percentage..of what u need. If u get 75 % ur doing well. (Actually i think str8s need WAY less compatibility. Wud a gay coupke work whete one wants to watch football while one wants to go see Liza? In the str8 world thats the norm....although 'stereotypically'.
|by Anonymous||reply 83||Last Tuesday at 4:15 PM|
|by Anonymous||reply 84||Last Tuesday at 6:14 PM|
"Nurture" is the kind of word you use to describe human relationships, that is why the use for credit scores sounds retarded.
|by Anonymous||reply 85||Last Tuesday at 6:18 PM|
I don't think that credit score comes into play at all unless you intend to buy a house with him or marry him. Otherwise, who really cares? That said.....that is a low score.
|by Anonymous||reply 86||Last Tuesday at 6:43 PM|