If I include my credit score on Tinder, am I a jerk?

Dear catch,

According to your letter, I cannot say whether you are a boyfriend or not.But considering that only 21% of consumers have a credit score of 800 or higher.

However, think back to when you got the mortgage. Before approving you, your lender may consider a series of factors that exceed your credit score. Dating is really no different. Proving that you are the right person requires more than just a credit score.

To be honest, I don’t think the word “829 credit score” will determine your dating life. You are writing your Tinder resume, not tattooing your credit score on your forehead. If you find that your profile is not suitable for you, you can easily change it.

Reasonable people may disagree whether to include your Credit score It is annoying in your dating profile. I think that when someone quantifies their accomplishments too much on dating profiles, some people find it offensive. Say you eat healthy and exercise every day is no problem. But unless you want to meet a competitive bodybuilder, publishing your body fat percentage may be considered arrogance.

That said, posting credit scores on dating profiles seems to be becoming more and more common, at least based on my very unscientific poll of about six friends who are also using these apps.

Therefore, I don’t think you will reach the point where women can intercept your personal data in terror.

Think of your dating profile as a tool you use to market yourself to other singles. Who is your target audience? What information is your goal? Does including your credit score help you communicate that message?

If your information is that you care about credit scores and you are looking for another member of the 800-plus club, be sure to include your credit score. Meet and drink. Talk about who has the lowest refi rate when you watch the sunset.

If you want to tell Tinder that you are a rich person, please go ahead and include your credit score. But if this is your message, don’t complain about how superficial dating is. It is expected that some people will be less interested in you than in your wallet.

However, I think your goal is a bit subtle. As you said, you are an ordinary person who wants to stand out. It sounds like you are also looking for someone who lives with you.

It sounds like you have a lot of qualities that others will find attractive. You are successful, but you also have self-awareness. You know that including this information may make some people feel uncomfortable. More importantly, it makes you uncomfortable. So, if it makes you self-aware, why include it?

I don’t think you need my advice about love and money. This is about writing. Here is what my first editor instilled in me: Show, don’t tell.

I mean, show the world your finances without telling them your credit score and salary. Tell me what your occupation is and why you like it. Put it there, you own your house, and if you want, you have almost no debt.

You may not be looking for someone to compare with the weekly credit monitoring report. So be sure to mention something you are interested in, such as traveling or pursuing a hobby that you want to do with the right people.

If you choose to include your credit score, make sure it is just a small detail. Remember, statistically speaking, more than 4 of the 5 people who swipe your card on your profile will not be in your alliance, credit wise. Many people are financially sound, but they have not yet reached the 800 mark.

The credit of other people is not perfect because they have encountered difficult times or because they are people who have made mistakes. This does not mean that they are not dating material.

In the end, I think a little bit of modest bragging might go a step further than bragging about your credit score. Even in dating apps, modesty can be an attractive trait.

Robin Hartill is Penny Hoarder’s certified financial planner and senior writer.Send your tough money questions to [email protected].