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The Real Predictor of a Successful Relationship is Not Your Credit Score

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Photo Credit: Creative Commons _Drinkel_

Last week The Today Show shared the story Will Your Relationship Last? Your Credit Score May Have the Answer

Basically, it discusses Federal Reserve Board research which says your credit score and the credit score of your significant other can predict the success or failure of your relationship. Couples who have a drastically different credit score than each other are at a higher risk of separation.

You may already know your credit score is designed to predict how likely you are to repay a loan. Additional research has suggested your credit score can predict other behaviors and life events. For example, apparently your credit score can predict your driving ability and if you’ll have a heart attack. Now the latest research indicates your credit score can predict how successful you’ll be in your love life. Maybe next we’ll find out the credit score can predict your favorite flavor of ice cream.

Sorry to break up this “credit score is a crystal ball” idea but the greatest predictor of relationship success is not your credit score.

Besides, is it really news that finances are a major part of married life? Money fights are the number one reason for divorce in North America. People who cannot pay their debt (lower credit score) have more stress in their relationships. “What an earth shattering nugget of helpful relationship advice,” says the marriage counselor sarcastically.

The greatest predictor of relationship success is mutual commitment.

Both partners must commit to the relationship for better or worse, for richer or poorer, in sickness and in health, good credit or bad. Sure, your past history deeply impacts your intimate relationship, but commitment always trumps history.

You and your spouse control the success of your relationship. Commit to love and to cherish one another no matter what circumstances come your way and you’ll succeed beyond your most sentimental dreams. Never let the detached and temporary measure your committed intimacy.


On a side note, this quote from the Today Show article drives me crazy!

Financial adviser Suze Orman believes this is so important that she’s known for telling people “FICO first, then sex.” Translation: Find out your date’s FICO score — a measure of how likely someone is to pay their bills on time or repay a loan — before getting more serious about a relationship.

FICO first, then sex? I otherwise appreciate the enthusiasm of Suze Orman but this snippet of advice is terribly wreckless. Get to know people without an impersonal number and without sex. Shortcuts to intimacy never lead to lasting beauty.


The holidays are right around the corner. If you’re a normal couple you’ll go through the motions, conceal your thoughts about money, avoid difficult conversations, and let it rip with an epic fight with your spouse when the January credit card bill arrives. Replace your tired and unhealthy holiday routine with true connection. Get my Holiday Survival Guide for Your Marriage FREE or my ebook, The Best Holidays Ever: How to Move From Conflict to Connection this Holiday Season for only $5 on Amazon.

2 thoughts on “The Real Predictor of a Successful Relationship is Not Your Credit Score

  1. Amy says:

    One of the best articles I’ve seen about this!  Excellent. I know that if it was based on credit score- my husband & I would not be together. That’s so heartbreaking to consider.

     

    Bring on on the holidays!  We are doing in right this time!

    Reply
  2. Steve Stewart says:

    YES! Amen brother. I believe the statistics implied in this study do indicate someone’s behavior – but there are more important ways to learn about your partner than to focus on a 3-digit number (or just money in general).

    This whole focus on credit scores in general gives me a headache. I encourage people to build wealth, not a credit score!

    Reply

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