What if your credit score showed up on your dating profile?
So here’s a random thought that hit me the other day: What if your credit score showed up on your Shaadi.com, Bumble, or Tinder profile?
And this isn’t just imagination. A real marriage in Murtizapur, Maharashtra, got cancelled because the bride’s family found out the groom had a low CIBIL score. Yeah. Here’s the story.
The three digit number that banks obsess over. I genuinely think everyone should. Because the more you look at it, the more it feels like a relationship tracker. A report card of how you’ve handled trust, commitment, and long-term responsibilities.
Mix that with dating, and you’ll start spotting all kinds of patterns. The baggage, the red flags, the green ones, maybe even a few pink or purple flags too.
First Impressions Count… But Do They Last?
You’ve dressed sharp. Picked a great place. Said all the right things. The first date feels good. But then comes the third date. Or the fifth, it will slowly start to show.
Same with credit. It’s not just about that one bill you paid on time. It’s about your patterns.
You might say you’re financially responsible, but if your credit card shows late payments, maxed-out cards, and missed EMIs, well… it’s like saying you’re emotionally available while still texting your ex.
And, no credit history at all? That’s confusing, too. On a date, that’s like someone who’s never been in a relationship and says, “I just haven’t met the right person yet.” Now, you’re not sure whether to be curious or cautious.
The score is just the start, not the complete Story
Your credit score gives a picture. Not the whole story, but enough to set the tone.
- Above 750? Probably someone who’s got their act together. Responds on time. Has seen life, but learned from it.
- Between 600 and 749? Somewhere in the middle. A little history, a few bumps along the way, but it looks like they’re trying.
- Below 600? Needs a break. Maybe a reset. Maybe therapy. Possibly a good heart, but a lot to figure out.
Green Flags
Here’s what makes a good credit profile, and let me add dating to it:
- Someone who always pays bills on time? Probably doesn’t ghost after deep conversations.
- Keeps spending under control? Likely to underpromise and overdeliver.
- Has a long credit history? Knows what long-term commitment means.
- Keeps credit mix healthy? Probably juggling work, life, past defaults, saving, and investing without losing focus.
Now, if you have all these lined up, you should maybe consider person is good with the loan, knows how to handle things, and maybe, maybe good for a coffee conversation.
Biases, mama’s boys, social pressure. However, you figure that out. 
Red Flags
Some signs are hard to ignore:
- Someone applying for loans all the time? Feels like someone who jumps into every new thing without thinking.
- Always maxed out? Misses payments repeatedly? Says all the right things but doesn’t follow through.
Sure, everyone makes mistakes. But if it keeps repeating? That’s not an accident. That’s just how they operate. And honestly, that gets toxic real fast.
Getting It Together: Building a Better Score
Here’s the thing. Just like in relationships, I feel it’s a long process.
Pay your bills. Keep your credit limit usage low. Stop using your card everywhere. Give it time, it will get better.
Also, yes, I once remembered a missed EMI while clinking glasses at a restaurant. Yeah, this is personal.
So, if your credit score showed up on your dating profile, what do you think it’d say? Would you swipe right on yourself?
Anyway, that’s it for this scribble. Nothing too deep or less spoken. Just the kind of stuff I’d casually bring up over a coffee walk with my colleagues. This is the usual kind of chatter that runs through my head. 
If you haven’t checked out the first post yet, read the story behind TOMS Shoes. Maybe pick up the book, too. If you enjoyed it, please share and subscribe!