Credit Score Over Pickup Lines

Financial responsibility is often as important as physical attractiveness in revealing study from™ 

Despite all the money men and women spend trying to improve their looks and attract the opposite sex, flaunting one’s frugal qualities may prove more alluring. According to a new survey from™, men and women rank financial responsibility more important than physical attractiveness. Among women, 96 percent say financial responsibility is important, compared to 87 percent noting physical attractiveness as an important quality. Men slightly favor good looks over financial responsibility (92 percent versus 91 percent) but, on average, financial responsibility is second only to personal compatibility when picking out Mr. /Mrs. Right.
“Our survey shows most people consider a partner’s ability to manage money before saying ‘I do,’” said Ken Chaplin, senior vice president at “Women are clearly more focused on this than men, but a lot of guys say they are thinking about things like the future co-signing of loans or how one partner’s bad credit score may impact the other. It makes sense in this economy that we see increased scrutiny from both men and women; a low credit score is a warning of potential problems down the road, after vows are exchanged.”

Key highlights of the research:

  • Women find financial responsibility (96 percent) more attractive in assessing a romantic partner than physical attractiveness (87 percent) or career ambition (87 percent).
  • Credit scores are significantly more important to women (75 percent) than men (57 percent).
  • Women rank financial compatibility and sex/intimacy (96 percent) equally as important when considering a long term partner.
  • Women view “is financially responsible” (95 percent) and “pays bills on time” (92 percent) as the top two financial attributes when evaluating a romantic prospect’s attractiveness. Collectively, men and women view “spends beyond means” (88 percent) and “has debt” (52 percent) as the least attractive attributes.
  • Nearly half of the respondents (48 percent) discuss their credit score with a romantic prospect or partner, and 39 percent discuss it within the first year of a relationship.
  • Women are more likely to factor credit scores into their dating decisions. However, 30 percent of women and 20 percent of men surveyed would not marry someone with a poor credit score.
  • Both men and women worry that a partner’s poor credit score could negatively impact securing a loan to buy a house (women 76 percent, men 61 percent), managing a joint credit account (women 59 percent, men 48 percent), getting good interest rates (women 56 percent, men 48 percent) and securing a loan to buy a car (women 47 percent, men 37 percent).

For more information on the survey and infographic, visit