What Your Credit Score Says About the Strength of Your Relationship

couple stressed financesWe all know that having a good credit score has lots of benefits. Those with scores above 720 can expect better interest rates on loans, more options when it comes to mortgages and home refinancing, and even, for some fields, a better chance that you can get hired for a job. But new research out from the Federal Reserve suggests there might be another surprising benefit of good credit scores: stronger and more lasting relationships.


The researchers who conducted this study looked at the relationship duration of cohabiting couples and discovered that couples with higher credit scores seemed less likely to break up during the course of the study. They also noted that couples who had credit scores that were within 66 points of each other also seemed more likely to stay together.

So, why does good credit appear to equal good relationships?

One theory is that people who are able to cultivate a strong credit score are just generally more trustworthy and reliable. Credit scores are based on a combination of factors, including bill-paying history, debt-to-credit ratio, and any past negative markers like bankruptcy or home foreclosure. Someone with a strong credit score is likely to be someone who pays his or her bills on time, doesn't get into deep debt, and hasn't had a bankruptcy. That sounds like good partner potential, right?

More from The Stir: A Bad Credit Score is a Good Reason to Dump a Guy

Another theory is that those with a solid credit score might have less financial stress, and less financial stress leads to fewer arguments about money -- and less fighting equals more relationship happiness. Credit scores don't reflect income, savings levels, or lifestyle choices, so a good credit score doesn't mean that a couple is swimming in dough, but it might reflect a basic level of stability that is good for a relationship. 

But do not despair if you and your partner are not on the same sides of the credit score scale. Sometimes a 450 and an 800 fall in love, after all. The good news is that over time, and with good communication, the 450 is likely to see his or her score improve the longer he or she is with the 800. Love is a powerful thing!


Image via wavebreakmedia/shutterstock 

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