Hey, baby, how's your credit?

bet you dollars to donuts that the author of this article is somehow connected to a credit service of some kind.

Excuse me, 'little to do with greed in most cases' I should say. Afterall, gold diggers do exist.

I liked the article, but disagree with the tell tale signs to a partner having problems. I personally go for long periods of time without spending any money and then sometimes when I get depressed I go on huge spending sprees. And I've had my share of gold diggers. I remember one girl (bless her little heart) asked me one day if I were rich. I smiled and told her no, I could only wish. Had she asked me how much money I had she would probably still be around, because to me being rich is always having more than I have.

But in today's economy it only makes sense to ask about credit before saying the "I Do's". Once your married, while one may not be responsible for the others debts it does affect both credit scores and buying power. I think if ever I were to get married again not only a prenupts but I would want a credit report, if only to protect what I have built for myself.

I don't care if it "implies lack of trust". I have learned the VERY hard way that if you don't look out for yourself who will. I trusted and got burned. I am not ruining myself financially for anyone and I plan to check up on anyone else I MIGHT get serious with and they are welcome to do the same. I have nothing to hide. If they can't handle then move on. Screw me over once shame on me. Screw me over twice... I don't think so!

I firmly believe in getting to know your partner as well as their financial habits and history. If your partner becomes skittish or will not be open with you and allow you to look into their financial past. Either by talking and asking direct question's. Then if a background check to include financial history is in order.

 

Sometime's the relationship can start off on good footing and later one or both of the people in the relationship become financially irresponsible. And once the credit card swap for a lower percentage rate begins. It is most likely out of control. Maintain a credit card for auto repairs. Live on a budget, a budget within your monthly income. When something swamps your budget , get a loan to pay off the debt. Pay off the debt and stay on budget.

If you know that your balances are out of control and very high, the last resort is filling for bankruptcy. If your spouse become's distant  and elusive as to accepting this debt. There is a major relationship problem ahead. Try to sit down with your spouse and come to some type of financial resolution and agreement. If there is not this possibility, Most likely you are headed for a bankruptcy, one that you will find yourself in all by yourself. This is when it is time to leave and take care of your own financial issue's , as well as find a more honest and financially responsible partner in life. As hard as it may be, put this behind you as soon as possible.