As she nibbled on strawberry shortcake, Jessica LaShawn, a flight attendant from Chicago, tried not to get ahead of herself and imagine this first date turning into another and another, and maybe, at some point, a glimmering diamond ring and happily ever after. She simply couldn’t help it, though. After all, he was tall, from a religious family, raised by his grandparents just as she was, worked in finance and even had great teeth. Her musings were suddenly interrupted when her date asked a decidedly unromantic question: “What’s your credit score? LaShawn, 31, said, recalling how the date this year went so wrong so quickly after she tried to answer his question honestly. The credit score, once a little-known metric derived from a complex formula that incorporates outstanding debt and payment histories, has become an increasingly important number used to bestow credit, determine housing and even distinguish between job candidates. It’s so widely used that it has also become a bigger factor in dating decisions, sometimes eclipsing more traditional priorities like a good job, shared interests and physical chemistry. That’s according to interviews with more than 50 daters across the country, all under the age of It’s difficult to quantify how many daters factor credit scores into their romantic calculations, but financial planners, marriage counselors and dating site executives all said that they were hearing far more concerns about credit than in the past. Thakor said.
Online Dating Site Matches Users By Their Credit Score
Valentine’s Day is a holiday all about love, but many millennials today aren’t ready for commitment if it doesn’t also come with plans for a solid financial future. A potential partner’s credit score doesn’t have to top your list of concerns when it comes to dating. However, researchers from the Federal Reserve Board, the Brookings Institution and UCLA stated in a research paper that “credit scores reveal an individual’s relationship skill and level of commitment.
While asking for a date’s credit score before going out could be a little awkward, you might find the right person on a dating site that does just that. The case for knowing may be worth it, though, as the same researchers found that credit scores can be used to reveal information about trustworthiness and commitment—important relationship factors.
Money, the largest finance tradeshow in the world, takes place each year in the Venetian Hotel in Las Vegas. Credit in China is now in the hands of a company called Alipay , which uses thousands of consumer data points—including what they purchase, what type of phone they use, what augmented reality games they play, and their friends on social media—to determine a credit score. In China, having a high credit rank can help your chances of accessing employment, for example, or of getting a visa to travel within Europe, and even finding a partner via online dating.
One Chinese dating site, Baihe. Aside from Chinese competitors like WePay, other companies are using machine learning to make lending decisions in Sub-Saharan Africa. One such company, called Branch, is capitalizing on mobile phone adoption in Kenya, drawing down data gleaned from the hugely popular mobile payments platform M-Pesa to devise credit scores. Meanwhile, a U. But the rise of algorithmic credit also responds to anxieties in developed economies too—particularly in the aftermath of the financial crisis.
Whether we ought to have faith in that promise remains an open question—and one that is hard to answer given the impenetrability of machine learning. In , J. Martin, an executive at Canadian Tire, began to analyze transactional data from the previous year.
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Algorithms are making the same mistakes assessing credit scores that humans did a century ago
First comes love, then comes marriage — but where do credit and finances fit in? From the first few dates up to the exchange of rings and vows and beyond, your financial picture is a part of who you are, and the kind of life you can offer others a role in. As a relationship progresses, finances start to become more of the discussion. Learn when more and more couples are starting to talk dollars, cents and credit. The language of love isn’t exclusively about finances, but finances do play an increasingly important role in how your future can look.
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In What World Is Credit-Score Dating Actually a Thing?
Credit Scores and Reports Advertiser Disclosure. Your astrological sign? The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. On her second date with a man she met through an online dating service, Lauren was surprised when he revealed his credit score over dinner. Like Lauren, a growing number of singles are swapping details about their credit scores at the beginning of a relationship, filtering by FICO to find Mr.
This article is from the archive of our partner. Ah, love in the early aughts, a time when you might meet a super girl or guy, fall in love, and then find out that person has a subpar credit score and have to dump them. In order to prevent that sort of emotional bellyflopping, you should just ask first, right? Those four little words, so easy, so important, so relationship-killing:. LaShawn, 31, said, recalling how the date this year went so wrong so quickly after she tried to answer his question honestly.
But wait, this is not just one weird dude with aspirations, and his flummoxed date, who did not match up, for whatever reason. This is a Note: 50 daters is hardly a conclusive sample size. But still, people think this way, to the extent that the credit score test has become “the dating equivalent of a sexually transmitted disease test,” according to “Manisha Thakor, the founder and chief executive of MoneyZen Wealth Management, a financial advisory firm.
You can treat that STD, apparently—you know, with some antibiotics—but a bad credit score is far harder to fix. If this is really a thing, one should be prepared.