A Major Online Dating Turn On (Or Turn Off)? Your Credit Score

It turns out your credit score is more important than just credibility to pay back loans. According to a number of consumer surveys and academic studies.

A study that was released 2 years ago looked over consumer credit data from 15 years and indicated that the better the year end credit score for that individual means they had ended up in a relationship.

A more recent survey from Discover Financial Service & Match Media Group tied with Tinder & other dating sites shows us how much of a high credit score is more intriguing. Being responsible with finances was highly scored as a very important quality when looking for a potential mate. That was 69% of 2000 online dating surveys 18+.  That placed it ahead of sense of humor (67%), attractiveness (51%), ambition (50%), courage (42%), and modesty (39%).

A good credit score equals being responsible, trustworthy, and smart. These respondents effectively put credit score 18 points ahead of cute.

“If you’ve got a pretty good credit score, you probably have other good personality traits,” said biological anthropologist Helen Fisher, Match.com’s chief scientific adviser and a senior research fellow at the Kinsey Institute. “You’re not only managing your money, you’re managing your family, your friends. You’re kind of a managing person. It says a lot more about you than a fancy car.” She even called it “an honest indicator of who you really are.” She even called it a “Darwinian mechanism for measuring your reproductive ability.”

Many want someone who is responsible, dependable, willing to commit, and able to maintain a relationship. What does it take to get a good credit score?

Mostly a long history of responsibility, dependability, and careful maintenance of accounts. Both sexes in the survey valued financial responsibility highly—77 percent of females and 61 percent of men.

  Dating someone whose score is similar to yours when you meet increases the odds the relationship will succeed. A 2015 paper, Credit Scores and Committed Relationships (PDF), found. When you meet, because married couples’ credit scores tend to cross over time.

People may be hesitant to reveal their credit scores now, but “the data suggest that it might become the norm over time,” said Kate Manfred, vice president of brand communications and consumer insights for Discover. She envisions a day when people “do dueling phones and you pull up your scores right there, in under 60 seconds. You pull out your phone and say, ‘Look, here’s my credit score, what’s yours? Let’s swap.’ ”

How much does it matter to you about another person’s credit score when dating?

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