Do You Know Your Fiancé's Credit Score?
These women share how and when they found out their partner's score.
When you marry your partner, you marry their credit score, too. "That's because credit scores affect so much of your future life together, including what rate you will get on a mortgage or auto loan and even how much you pay for car insurance," explains Kimberly Palmer, personal finance expert at NerdWallet. She recommends talking about credit scores and financial habits while you're still dating to avoid any surprises—or disappointments—down the line. But how many soon-to-be married couples actually get into the nitty gritty of each other's financial habits, including discussing their credit scores? We surveyed a group of women to find out whether they knew their fiancé's credit score before they got married, and what they told us might surprise you.
Meghan E. knew her partner's credit score before they even got engaged. "We both had (and have!) very high credit scores (we were within points of one another—I think high 700s back then, maybe even low 800s)," she explains. The same goes for Brie L., who says she and her now-husband discussed their credit scores nearly a decade before they got engaged. "We had that conversation a year into dating," she recalls.
Bethany M., on the other hand, didn't ask until long after she and her partner were married. "I couldn't have cared less as a 19-year-old girl deeply in love," she explains. "In fact, I don't think the thought ever crossed my mind." But she adds that if she were single in this day and age, she would have absolutely wanted to know before they made any major life commitments.
Other life events are exactly what spurred several women to ask their fiancé's about their credit scores. Kate W. explains that she learned of her partner, Max's, credit score when they started house hunting. "I learned about it before be bought a house, and while it was really good, he didn't prioritize it the way I felt it should have been," she says. "He was great with paying bills when they needed to be paid, but when it came to updating the house we lived in he was not [interested], and wanted to spend his extra money on things he enjoyed."
For Lauren V., it was a very similar experience. "He mentioned it to me when we first decided to look for a house. I mentioned that I wanted to buy my own house, but I wasn't sure what my credit score was to be approved. He told me we should buy one together, and that he had great credit, so we would be fine."
And then there are couples who don't need to know the details, but rather the high-level points. For Colleen G., knowing her fiancé prioritized his credit—but not actually knowing the score itself—was all she needed. "I did not know his score but knew he was responsible and that he cared about his credit," she says. "There's no way I would have hitched my wagon to his otherwise!"
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