When meeting someone new, we usually focus on the things we have in common, shared interests and hobbies, alongside other light-hearted concerns. But as time goes on and things get more serious, money begins to play a huge part in our relationships. With this being the case, when you begin a new relationship, discussing your financial situation can be a tough topic to approach. Following this, we don’t want to seem like we spend frugally or on the other end of the spectrum, someone who’s careless with their income, so how do we balance between the two? It’s important as an individual to track your spending, pay your bills and keep track of your credit score in order to ensure your personal finances are in order, for you, your future and your family planning. 

According to a study conducted by Fool.com, the most desirable financial trait in a romantic partner is someone who sets financial goals. From surveying 1,012 people in relationships, they also discovered that 63.7% hoped that their partner would have a savings account and 70.4% lusted after someone who follows a budget. So how do we adapt these most sought-after traits? At Marble, we feel one of the most important things to look after regarding your financial health, is your credit score. Additionally, 54.4% of people surveyed by Fool hoped that their partner would pay their monthly credit card balance in full. By doing this, you are showing your credit score some love and keeping on track of your finances. 

Let’s discover five more reasons why you should fall in love with your credit score.

Looking to move in with your significant other? 

In this current climate, it’s difficult enough to find the right house, with a great location at an amazing price. When you and your partner finally find the right house or apartment, the last thing you want is something to go wrong to ruin your chances of signing your lease and getting your keys.  

Nowadays, landlords will perform credit checks as part of their standard screening process. If you have a bad credit score, it can ruin your chances of being offered this home, especially if your bad credit is from previous tenancies. Having a great score will save you time and hassle when searching for a home. 


All that texting in the early days requires an affordable phone plan!   

If you have bad credit, your cellphone company may not let you sign up to a bill contract – this usually provides you with a competitively priced phone. You will have to opt for a pay as you go plan with a more expensive phone. In fact, when you have good credit, you avoid paying a security deposit and may receive a discounted purchase price on the latest phones by signing a contract.                                                                                                                          


Negotiating is like having good game

Think lower interest rates, longer repayment periods on loans and even a better chance of getting approved for other financial products you’re interested in. Without a doubt, having a good credit score provides you with more leverage when negotiating the terms of loans. If you have a bad credit history, your bank is more than likely to give you no leg room, and you more than likely will have limited options to choose from when it comes to financial products. 

Your partner wants you to have a good job

A current or future employer can have you sign a release that allows you to pull your credit reports, as they wish. This is usually done through Equifax or TransUnion. Each report will provide a detailed record of payments made which includes missed payments, delinquencies, bankruptcies and consumer proposals. It should be noted, any employer can perform this kind of check. But this type of applicant screening process applies mainly to someone working in the financial sector – as if you’re a financial adviser, your financial reliability is almost sure to be scrutinized. 

Be a good influence on your partner 

Brag and boast all you like; a good credit score is something to be proud of. If you work hard to change your spending habits and improve your score, you have every right to express this success! Who knows, maybe your bragging might influence your partner and loved one’s to begin improving their credit score too? 


At Marble, we want to help you improve your credit score and get back on track to improving your financial wellness. Our credit boosting product Score-Up helps you set a target based on your financial plans and credit history, analyzes your report and develops a clear path to increase your score. And with this, you can follow our real-time recommendations to make an overall positive impact on your credit score. Find out more here.

About Marble Financial Inc. (CSE: MRBL; OTCQB: MRBLF) We are a group of forward-thinking financial technology experts that fully understand the benefits and drawbacks of credit in Canada. Marble helps Canadians increase their credit to gain access to prime lending, through our industry-leading proprietary technology solutions Fast- Track, Score-Up, and Credit-Meds. Our proven strategy guides our customers back to a meaningful credit score, 50% quicker than traditional methods. Since 2016, Marble is proud to have empowered thousands of Canadians to a positive financial future. We continue to establish ourselves as leaders in financial wellness.