Look­ing for love? A poor credit score can make you less at­trac­tive.

A web­site is at­tempt­ing to make matches based on riskwor­thi­ness

The Washington Post Sunday - - BUSINESS - GET THERE BY MICHELLE SIN­GLE­TARY michelle.sin­gle­tary@wash­post.com

For­get the power of pheromones.

Want to make your­self more at­trac­tive to a po­ten­tial mate? Make sure you have a good credit score.

Turns out that hav­ing a great credit his­tory is sexy to some peo­ple. And an on­line dat­ing site is bet­ting that hook­ing peo­ple up — in part based on their credit scores — will score lots of users.

In cre­at­ing a dat­ing pro­file, Cred­itS­coreDat­ing.com re­quires users to dis­close where they fall in a range of credit scores. Here are the choices from its drop-down menu. (The higher the score, the bet­ter credit risk you are.) 801-850 751-800 701-750 651-700 601-650 600 or be­low But the re­port­ing is on the honor sys­tem.

“The site does not check the ac­cu­racy of the scores,” re­ports Mia Tay­lor at Credit.com.

The site’s founder, Niem Green, says that a group of ques­tions can help de­ter­mine whether peo­ple are be­ing hon­est. (Though, I imag­ine they could lie with their an­swers.)

As Tay­lor writes, “The ques­tions cover top­ics such as delin­quent ac­counts in the past and what they would do with a sud­den cash wind­fall. The an­swers are in­cluded on each user’s pro­file, along­side other per­ti­nent dat­ing in­for­ma­tion like age and hob­bies. In ad­di­tion, the in­for­ma­tion gleaned by the al­go­rithm, which Green said has a 92 per­cent ac­cu­racy rate, is used to match com­pat­i­ble site users.”

For its sur­vey, Bankrate.com wanted to know whether a bad credit score could hurt peo­ple’s chances of find­ing a part­ner. It might. Al­most 2 in 5 U.S. adults said that know­ing some­one’s credit score would af­fect their in­ter­est in dat­ing that per­son, ac­cord­ing to the Bankrate.com re­port re­leased last week.

And which gen­der is more likely to con­sider a credit score a ma­jor in­flu­ence in their dat­ing de­ci­sion? Women.

Fifty per­cent of women said that a cer­tain credit score might have them think twice about dat­ing some­one, while just 35 per­cent of men said it would fac­tor into the ap­peal of a date, ac­cord­ing to the lat­est Bankrate Money Pulse sur­vey, which was con­ducted April 20-23 by Prince­ton Sur­vey Re­search As­so­ci­ates In­ter­na­tional with a na­tion­ally rep­re­sen­ta­tive sam­ple of 1,000 adults liv­ing in the con­ti­nen­tal United States.

Here are some ad­di­tional find­ings from the sur­vey:

Older mil­len­ni­als (27 to 36) are the most likely to be con­cerned about credit scores.

Younger mil­len­ni­als (18 to 26) are most likely to say it has no im­pact at all.

Nine­teen per­cent of Amer­i­cans think that credit scores are never an im­por­tant fac­tor in a re­la­tion­ship.

So when is a good time to re­veal your credit score while dat­ing?

Six per­cent of the sur­vey re­spon­dents thought that peo­ple should share credit scores within the first few dates.

That’s way too soon to share such in­ti­mate de­tails of your fi­nan­cial life.

Thirty-seven per­cent of the sur­vey par­tic­i­pants said peo­ple should share credit score in­for­ma­tion af­ter dat­ing a few months, and the same per­cent­age said to swap scores af­ter get­ting en­gaged.

Keep your per­sonal fi­nance de­tails to your­self un­til you’re se­ri­ous. What you should be shar­ing and find­ing out dur­ing the dat­ing pe­riod is the fi­nan­cial val­ues the per­son has. Is he a good saver? Does she think hav­ing a lot of debt is no big deal? How gen­er­ous is the per­son? “It’s prob­a­bly not a great idea to ask for some­one’s fi­nan­cial his­tory on the first date,” said Mike Cetera, credit-card an­a­lyst at Bankrate.com. “How­ever, it’s bet­ter to know if a po­ten­tial part­ner has a his­tory of bad fi­nan­cial de­ci­sions be­fore the re­la­tion­ship goes too far, es­pe­cially if you plan on mak­ing large pur­chases to­gether or shar­ing bank ac­counts.”

You should not be mak­ing large pur­chases with some­one you are dat­ing or shar­ing bank ac­counts un­til there is an “I do.”

Just say­ing.

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