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Established Contributor
MT936
Posts: 658
Registered: ‎06-28-2014
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Re: A crush on someone, and feeling you aren't good enough because of your financial problems.

[ Edited ]

Personally I would really prefer if the person I was going to marry and buy a house with have a high credit score because that shows they are responsble with money. You are not in that much of debt I wouldn't worry if I were you just pay off the amount as soon as you can and anyone should be able to understand that every student has debts to pay out of college it should not be a big deal


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21 year old college student. 751 FICO. Been building credit since age 17. Last APP 7/14/14

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Revelate
Posts: 9,546
Registered: ‎12-30-2011
0

Re: A crush on someone, and feeling you aren't good enough because of your financial problems.

[ Edited ]

I did go through this with my tax liens.

 

I came to the conclusion I was being fundamentally stupid: first, there's absolutely no guaruntee that the other individual will react in a negative fashion once they find out (there's LOTS of other things that relationships gets tossed out over much earlier in the process), by the time finances come up they should be emotionally invested in you.  Secondly, personally I never, ever, have an issue when when someone who has created their own problems owns up to it and lays out a plan for addressing it - that is a huge step for anyone to take, and only knowing the world as it's presented to you, if I wouldn't kick someone to the curb over it, why would they?  It's completely different if you aren't aware, and don't care.

 

Finally, if I respect them enough to be in a real relationship with them, then I respect them enough to have the conversation with them and let them make the decision: the odds are way against someone running away screaming without the discussion happening first.

 

Also as a tangential point on that one, there's something to be said for having a serious discussion like this before getting married as if you can work through that, there's a much better chance you can work through the rest of the difficult things that invariably come up in a relationship.  This one's easy ground for you (or me in my case), and as a result while it might be scary, you can stack the deck way in your favor ahead of time by having the real plan and demonstrating you're trying to fix it... odds are, he will even try to help on the presumed assumption he's not a sociopath or worse.

 

Financial problems, or a credit report, aren't a death sentence.  Don't treat them as such :smileyhappy:.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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MissCredit9
Posts: 419
Registered: ‎08-08-2013
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Re: A crush on someone, and feeling you aren't good enough because of your financial problems.

If he pays for everything with a debit card maybe his finances are not so great either.

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nachoslibres
Posts: 561
Registered: ‎04-24-2014
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Re: A crush on someone, and feeling you aren't good enough because of your financial problems.


MissCredit9 wrote:

If he pays for everything with a debit card maybe his finances are not so great either.


Lol, true.

 

OP, I wouldn't worry about it.  Just keep working on your finances and the relationship, and if it is supposed to work out it will.

          
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Regular Contributor
mightdietryin
Posts: 224
Registered: ‎07-05-2014
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Re: A crush on someone, and feeling you aren't good enough because of your financial problems.

So did you ask him out yet??

I would rather date someone who messed up in the past and was fixing it than someone who was going to go nuts while we're together and ruin both our credit.

PS- My student loan is 3x yours. I wouldn't stress too much. Just don't defer it or you'll accrue a ton of interest.
Regular Contributor
sapingo
Posts: 543
Registered: ‎08-18-2014
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Re: A crush on someone, and feeling you aren't good enough because of your financial problems.

to me money is not everything!

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Valued Contributor
taxi818
Posts: 1,806
Registered: ‎07-04-2014
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Re: A crush on someone, and feeling you aren't good enough because of your financial problems.


JoshNurse wrote:

triedtogetacardandcouldnt wrote:

Oh, and there's my bankruptcy.


:smileyindifferent: The future house payment would sky rocket.  I ask for a social security on my first date. 

 

 

 

jk dont take me serious lol... My seriousness level is on my forum avatars face..


Well i had a date that in fact did ask me for my social on the 2nd or 3rd date. i then Ran For The Hills. :smileysad:


last app 10-10-14. Garden until 6-2015
Valued Contributor
jamesdwi
Posts: 1,906
Registered: ‎09-16-2011
0

Re: A crush on someone, and feeling you aren't good enough because of your financial problems.


triedtogetacardandcouldnt wrote:

Oh, and there's my bankruptcy. I'm sure he'll find that very attractive.

 

I realize that it's not something to get into until things are serious, but many people don't even want to date someone with financial problems in the first place.


everyone makes mistakes, don't let mistakes define you, its how you fix your mistakes that makes the real you. You live and you learn, and if you choose to fix the problems you become a better person. 

I would prefer to be with a person that has made mistakes and worked through them, than to be with someone that never took a chance and made a mistake. Because they have no experience in what it takes to succeed in life longterm. 

 

 


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Last APP 4/26//2014 no plans for new credit I think I have enough.

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