Reply
Frequent Contributor
TheFate
Posts: 474
Registered: ‎06-19-2014
0

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...




Starting Score:532
Current Score:692
Goal Score:720

Take the myFICO Fitness Challenge
Senior Contributor
Wanderer
Posts: 4,815
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.
"the man who has the gold rules" EX 800 EQ 800 TU 816
Member
Sunshine222
Posts: 16
Registered: ‎10-05-2007
0

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.

Valued Contributor
taxi818
Posts: 1,781
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.


last app 10-10-14. Garden until 6-2015
New Visitor
Humboldt_Honey
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
TARHEEL81NC
Posts: 349
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.

EQ: 658 TU: 669 EX: 641 as of 09/13/2014 myFico - C1 QS $500 C1 Auto: $12.6k NASA $10k
EQ: 652 TU: 669 EX: 644 as of 09/26/2014 myFico - Freedom $3500 BOA $1000 Discover $1200 SM $1300
EQ: 658 TU: 680 EX: 643 as of 09/29/2014 myFico
Established Member
rexbolt
Posts: 20
Registered: ‎10-06-2012
0

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
KISS1978
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.

Frequent Contributor
skigirl916
Posts: 453
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 (2013): 557 EQ - 586 TU - 591 EX ** Current: (Oct. 2014): 681 EQ - 702 TU - 684 EX ** Goal: 750 on all
NASA FCU (10K); Barclay Arrival+ WEMC (5K); CSP (5K); Chase SWA Rapid Rewards VS (5K); Chase Slate (5K); CapOne Venture VS (5K); Chase Freedom (4.5K); CapOne QS Visa (3K); Barclaycard Rewards (2.5K); CapOne Platinum MC (2.3K); Citi Universal (1.32K); Discover IT (1K); Various Store/GE/Comenity (400-2K)
Regular Contributor
KittenAttack
Posts: 151
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

EX 716 | EQ 726 | TU 738 | GOAL: A solid 760+ by 08.16

AMEX BCP 2.5k | Discover IT 1.5 k | BoA Secured 1k |
Pass the Calamine, I'll be pullin' weeds till 02.15

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}