Yes, really. I got a media request this morning about how having a bad credit score can affect your dating life. Someone’s planning an article or TV piece.
There’s so many things that actually DO affect your dating life, and no one has time and energy to work on them all. One of the main points of my dating guide for men, the Magic Bullets Handbook, is that there is no such thing as a perfect pickup, and there is no one single secret or ‘magic bullet’ that can turn Joe Dweeb into Joe Cool. There are tons of little things you can to increase your attractiveness to women, and each one matters a little bit. Do enough of them, and you’ll be dating more and higher-quality women. Do more of them and you’ll be dating women who make your former crushes jealous and your friends’ jaw drop.
But your credit score is not one of these. Nothing about your credit history should come up for a long time in a relationship. If you don’t have any money, you don’t have any money, and that’s a separate issue [one I've written about and talked about elsehwere]. But if it’s just credit score, there’s no reason for anyone to know, until it’s time to talk about buying a house or car together, at which point anyone who says “I love you, but I can’t get over that you were late paying your bills five years ago, before we met” is someone you’re better off without. Seriously – how would this even come up? Lots of people rent instead of own their houses, for good reasons that have nothing to do with credit score. I suppose if your credit was REALLY bad you couldn’t get a credit card, but so what? Get a secured credit card or use a debit card. No one will notice, let alone care.
In other words, nothing to see here. Move along, gentlemen.