Finance

Am I reckless if I include my credit score on Tinder?


Dear Benny,

I am a 41 year old single male who recently created an account on Tinder. I work from home and most of my friends are married. I would still like to meet someone organically, but the dating app seems more realistic to me now.

I worked hard to get my 829 credit score. I am a home owner with a good profession. Last year, I paid off all of my debts other than the mortgage. I am an average looking guy looking for excellence. I’ve seen some women post their credit scores and I’ve heard that higher credit makes you more attractive to dating. But it seems a bit tacky to me.

I’ve asked some female friends if I should include my credit score on my profile, but they’re divided What do you think, Penny? Will this make me look like a jerk?

Credit-worthy receipt

Dear Katch,

I can’t tell if you are a physical boyfriend based on your post. But your 829 credit score is definitely worth the swoon considering that only 21% of consumers have a credit score of 800 or above.

However, think about the time you got your mortgage. Your lender will likely have considered a range of factors beyond your credit score before agreeing to you. Dating really isn’t any different. Proving that you catch the right person will require more than just a credit score.

I honestly don’t think the words “829 credit score” will make or break your dating life. You are writing your bio on Tinder, not drawing your credit score on your forehead. If you find that your profile is not working for you, you can easily change it.

Reasonable people can disagree about whether to include you Balance level On your dating profile is obnoxious. I think some people find it pariah when someone specifies their accomplishments too much on a dating profile. Saying that you eat healthy food and exercise daily is a good thing. But unless you’re looking to meet a competitive bodybuilder, posting your body fat percentage will likely be seen as arrogant.

However, it seems that posting credit scores on dating profiles is becoming more and more popular, at least according to my unscientific poll of about six friends who are also on the apps.

So I don’t think you will reach a level of entitlement that will make women take your profile screenshot in awe.

Think of your dating profile as a tool you use to market yourself to other singles. ? Who is your target audience, what is your message? Does including your credit score help get that message across?

If your message is that you care a lot about credit scores and you are looking for another member of your 800+ club, by all means include your credit score. Meet up for drinks. Talk about who got the lowest repurchase rate as you watch the sunset.

If you’re trying to tell Tinder that you’re a rich guy, go ahead and include your credit score as well. But if that’s your message, don’t complain about how superficial dating can be. Expect some people to be less interested in you than they are in your wallet.

I think your goals are a little more accurate, though. Like I said, you’re an average-looking guy who wants to stand out. It looks like you’re also looking for someone like you to live their life together.

And you seem to have a lot of qualities that other people might find attractive. You are successful, but you are also self-aware. You get that including this information can make some people uncomfortable. More importantly, it makes you uncomfortable. If that makes you shy, why would you include it?

I don’t think the advice you need from me is about love and money. It is about writing. Here are the words my first editor dug into me: Show, don’t tell.

By that I mean, show the world that you are financially strong without telling them your credit score and salary. Say what you do for a living and why you love it. Drop it in there that you own your home and are mostly debt-free if you want to.

You may not be looking for someone to compare your weekly credit monitoring reports to. So be sure to mention something you are passionate about, such as traveling or taking up a hobby that you hope to do with the right person.

If you choose to include your credit score, make sure it’s just a small detail. Keep in mind that statistically, more than 4 out of 5 people who scroll on your profile will not be in your league, credit-wise. Many people are in good financial condition, but they have not reached this 800 mark.

Others have less than perfect credit because they have had tough times, or because they are humans who have made mistakes. This does not mean that they are not dating.

In the end, I think a little modest bragging might go as far as candid bragging about your credit score. Humility can be an attractive trait, even on dating apps.

Robin Hartell is a certified financial planner and senior writer for The Penny Hoarder. Send your tough financial questions to [email protected].




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