Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 592
Registered: ‎06-19-2014

Re: When the person you're dating is a credit nightmare?

Now that everyones given you their perspective, consider this...

 

I was almost, not as bad but almost the same way as your BF not too long ago myself. My fiance always lectured me over and over about how important credit was and blah blah blah, it went in one ear n out the other. But, just as your BF would do I would take her out all the time, buy things I didn't need and so on you get the picture.

 

To make a long story short, 2 years ago I decided to clean up my act and get serious. Sometimes it takes more than just 1 person's rants to really open your eyes. You need to go thru a real life story to see how important credit truly is. With that being said my fiance never put our relationship out on the burner, stuck it out and now she has a finacially stable fiance, credits far better than what it was and will continue to grow and one expensive rock on her finger.

 

Not saying your story will end up the same way, but question yourself do you love this guy? Sometimes life is a gamble, somtimes you win sometimes you lose. But the worst loss is not a credit abuser, the worst loss is losing someone special who in time could truly change. Just something to consider...

Highlighted
Super Contributor
Posts: 8,021
Registered: ‎10-03-2008
0

Re: When the person you're dating is a credit nightmare?

Love is blind. Remember you can only change "you." So... if you stay in the relationship plan on accepting him for who he is. Is change impossible? NO! But he has to want it as you can't do it for him.
Starting Score: 848
Current Score: 824
Goal Score: 850


Take the myFICO Fitness Challenge
Member
Posts: 16
Registered: ‎10-05-2007

Re: When the person you're dating is a credit nightmare?

I didn't get a chance to read all the responses yet, but I wanted to say that I was once dating the same type of guy.  I married him.  Now he's my ex husband and I'm still rebuilding my credit from the financial nightmare.   It's a bigger sign of irresponsibility if he's not learning from his mistakes or trying to fix things.  I'll spare you all of the details, but let's just say it's NOT petty to think about this.

Super Contributor
Posts: 7,770
Registered: ‎07-04-2014
0

Re: When the person you're dating is a credit nightmare?

Well the moment you let money in credit come between you and the person you care about. its over. ooh well. should not matter. but some people have others priorities.


New Visitor
Posts: 1
Registered: ‎09-11-2014
0

Re: When the person you're dating is a credit nightmare?

Run as fast as you can in the other direction.

Frequent Contributor
Posts: 473
Registered: ‎09-13-2014
0

Re: When the person you're dating is a credit nightmare?

Run away before it's too late.  He's a waste of time.  The dirt doesn't get glovey, but the glove gets dirty.

Starting FICOs @ 590 October 2013
Current FICO EQ: 680 TU: 704 EX: 751 04/25/2015

Venture $15k, NASA $10k, Freedom $7.5k, Discover $5.4k, AMEX BCE $5k, QS $5k, BOA Cash $3.9k, QS1 $3.5k, SM $2.5k, AMEX PRG
Established Member
Posts: 24
Registered: ‎10-06-2012

Re: When the person you're dating is a credit nightmare?

This guy sounds like a total loser. OP get out now while you can!! God forbid this guy gets you pregnant. I can't see him ponying up much to help support the kiddos. 

My Wallet: Amex BCP $19.5K | BOA Cash Rewards $15K | BOA Better Balance $10K | Cap One Venture $10K | Cap One QS $3K | Chase Freedom $4.5K | Barclay Rewards WMC $5K | Citi Simplicity $8.4K | Discover It! $2K | Huntington Voice $5K | PNC Cash Builder VS $17.5K | Total Rewards VS $12K | Sams Club $7.5K
New Visitor
Posts: 1
Registered: ‎09-19-2012
0

Re: When the person you're dating is a credit nightmare?

It has been over a year, but I hope things are going well.  More importantly I hope the situation you were in has improved significantly (either by dumping him OR making him change).  

 

I concur with everyone else on this board.  He is just irresponsible to the EXTREME and that affects all aspects of life.  

 

We were all young once and have made mistakes (we still do), but his credit nightmare will soon become your reality if you don't make some changes in that relationship.

Established Contributor
Posts: 884
Registered: ‎06-07-2013
0

Re: When the person you're dating is a credit nightmare?


Stralem wrote:

The problem isn't his credit.

 

The problem is that he's an irresponsible jackass.

 

...No offense.

 

If you marry him, all of his financial problems will become your financial problems, no differently than if you married a drug addict, an alcoholic, a chronic gambler, or an arsonist. And like you said, given his track record, good luck with buying a home or... much of anything, really. There's a reason finances are often cited as the reason for breakups and divorces.

 

You need to dump this guy unless he shapes up.


This x1000000000.


Starting (July 2013): 557 EQ - 586 TU - 591 EX ** Current: (May 2015): 695 EQ - 702 TU - 700 EX ** Goal: 750 on all
AMEX BCE (15K); Lowe's (17K); BofA Cash (12K); NASA FCU (10K); Citi AAdvantage (8k); CapOne Venture (8K); Barclay Arrival+ (7.5K); CSP (8K); Chase SWA (5K); Chase Slate (5K); Chase Freedom (4.5K); CapOne QS Visa (3K); Citi Universal (2.8K); Discover IT (1K); Various Store/GE/Comenity (400-9K)
Established Contributor
Posts: 668
Registered: ‎07-22-2014
0

Re: When the person you're dating is a credit nightmare?

Ok. So I have a little different perspective because I am dating someone who I am trying to help learn to take care of his own finances. Create a mint.com account for him, input all of his accounts, bills, investments, property. So he can really see it. So far my boyfriend has been extremely receptive, and genuinely relieved or happy or whatever, because I could see his finances were causing him real anxiety.

 

just try to help him help himself

EQ 742 | TU 743 | EX 740


AMEX EDP 23k | AMEX BCP 7.5k | CSP 13.5k | FRDM 11.5k | DIT 20k | Citi DC 12k | Pendfed Promise 5k | Pendfed PLOC 5k | BoA 2.5k | Alliant 5yr Secured Loan $500 | 100k in available credit

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.