--- title: What Your Credit Score Says About Your Relationship Status description: A new study from the Federal Reserve Board finds that couples who have unequal credit scores may not last. authors: - name: Ethan Wolff-Mann url: https://money.com/author/ethan-wolff-mann/ at_money_since: 2015 articles: 160 covers: - Credit - Banking - Business - Career Advice - Credit Cards - Economy and Politics - Education - Housing - Identity Theft - Insurance - Investing - Lifestyle - Personal Finance - Professional Services - Shopping - Taxes - Technology social: - https://x.com/ewolffmann former_staff: true published: '2015-10-06T14:55:43.000Z' modified: '2024-04-16T07:02:24.000Z' section: Credit tags: - Credit Cards - credit score word_count: 267 canonical: https://money.com/credit-score-cohabitation-link/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![thermometer measuring credit score](https://img.money.com/2015/10/151005_em_creditscorerelationship1.jpg) Banks and credit card companies use your [credit score](https://money.com/collection-post/how-to-improve-credit-score/) to see how much they're willing to lend you. Could potential romantic partners start considering it too? According to the Federal Reserve Board, they'd have reason to: Recently, the Board [published a working paper](https://www.federalreserve.gov/econresdata/feds/2015/files/2015081pap.pdf) that showed a very strong link between high credit scores and long-lasting relationships. Using Equifax data of 12 million consumers, the study compared credit scores with relationship status, which they inferred by noting a shared address for a few quarters. Similarly, they could figure out if couples had split up by noting if the addresses changed. If three quarters went by in which a identified couple didn't share an address anymore, they were marked as broken up. In addition to linking high credit scores and long-term relationship success, the study found an unpleasant corollary: couples with mismatched credit scores likely did not have a very rosy future ahead of them. Differing credit scores, the study writes, could mean different credit usage between a pair, and thus the possibility of financial duress and breakup-inducing strife. Non-financially, high credit scores are also a workable stand-in for general trustworthiness. As [Quartz notes](http://qz.com/516650/what-your-credit-score-says-about-your-love-life/), this isn't exactly new thinking; people have known this for a while, discussing credit scores [on first dates](http://www.nytimes.com/2012/12/26/business/even-cupid-wants-to-know-your-credit-score.html?_r=0) or actively searching out people with the same creditworthiness. One of the paper's conclusions is dubious, however. It claims "credit scores reveal an individual’s relationship skill." But since it doesn't take relationship quality into account, that feels like a stretch. After all, perhaps these people are just settling? ***Quiz: [Are You and Your Partner a Money Match?](https://money.com/money-match-quiz/)*** ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/credit-score-cohabitation-link/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Credit", "item": "https://money.com/credit/" }, { "@type": "ListItem", "position": 3, "name": "Credit Score", "item": "https://money.com/credit-score/" }, { "@type": "ListItem", "position": 4, "name": "What Your Credit Score Says About Your Relationship Status" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/credit-score-cohabitation-link/#webpage", "url": "https://money.com/credit-score-cohabitation-link/", "name": "What Your Credit Score Says About Your Relationship Status", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2015-10-06T14:55:43.000Z", "mainEntity": { "@id": "https://money.com/credit-score-cohabitation-link/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/credit-score-cohabitation-link/#breadcrumb" }, "dateModified": "2024-04-16T07:02:24.000Z" }, { "@type": "Article", "headline": "What Your Credit Score Says About Your Relationship Status", "articleSection": "Credit", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2015/10/151005_em_creditscorerelationship1.jpg", "width": 2100, "height": 1400, "caption": "151005_EM_CreditScoreRelationship" } ], "author": [ { "@type": "Person", "name": "Ethan Wolff-Mann", "url": "https://money.com/author/ethan-wolff-mann/", "@id": "https://money.com/author/ethan-wolff-mann/#author", "sameAs": [ "https://x.com/ewolffmann" ] } ], "publisher": "https://money.com/#organization", "datePublished": "2015-10-06T14:55:43.000Z", "description": "A new study from the Federal Reserve Board finds that couples who have unequal credit scores may not last.", "abstract": "A new study from the Federal Reserve Board finds that couples who have unequal credit scores may not last.", "@id": "https://money.com/credit-score-cohabitation-link/", "inLanguage": "en-US", "dateModified": "2024-04-16T07:02:24.000Z", "wordCount": 267, "keywords": [ "Credit Cards", "credit score" ], "about": [ { "@type": "Thing", "name": "Credit Score", "sameAs": [ "https://en.wikipedia.org/wiki/Credit_score" ] }, { "@type": "Thing", "name": "Credit score", "sameAs": [ "https://en.wikipedia.org/wiki/Credit_score" ] } ] } ] } ```