Ours doesn’t! I’m not talking about cool points here, but rather the stuff FICO scores are made of. I’m not even going to pretend like The Man and I have good credit because that would be a big fat lie. When we got engaged a lot of people said to me, “be careful because now your credit will be his credit”. I laughed out loud every time I heard this because we both have crappy scores so no harm done there.
The truth is we both abused our credit at different times in our lives. Mine went to hell when I was a stressed out grad student who believed retail therapy soothed all things. His took a turn for the worst when he met me and my ridiculous shopping habits immediately wore off on him. Now we suffer together every time Macy’s taunts us with the opportunity to get an extra 20 percent off if we open a card, and we quickly pretend we’re not interested when we know it’s really because there’s no way any bank we’d be foolish enough to give either of us a new card. Or when we fall in love with a new apartment building only to read “FICO score 650 or better” in the fine print for applications. So sad, but so true.
Now, we’re no fools, we’re working on it. It’s a slow climb back to the top of the credit score later but we’re doing our best to get there. One of the decisions we made was to revoke our card swiping privileges all together and keep the cards we haven’t yet paid off at home locked away in a place we know we should never go. Yes, our marriage, for the moment, isn’t deserving of any credit. We’re at peace with this, but that doesn’t make the waiting easy. Especially when I read articles like this one I found on the best credit card deals for newlyweds on FoxBusiness.com that makes me wish we’d been smarter when we first fell in love.
I monitor both our credit scores each month using FreeCreditReport.com and am proud to report that we’re getting there, slowly. Luckily we’re not looking to buy a home any time soon because I fear if we were our dreams might be crushed quite quickly. Instead, we’re focused on getting our credit in order one step at a time and trying not be too salty about being FICO score rejects in the mean time.
How’s your combined credit? Are you in our boat, or floating on by glad your voyage is smoother sailing? What role has credit played in your marriage? All tips, tricks, and tales welcome!