May 30, 2023
It’s time to delete the cute selfies with your cat or the very defensive assertions that you’re well over 6 feet from your dating profile. As this TikToker shows, the surest way to secure a date is posting your credit score for all to see.
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Leah Nicewander, an anesthesia technician based in Florida, posted about her experience in a TikTok video in February that has garnered over 1 million views. Nicewander apparently boasts an “exceptional” credit score of 811 — well above the nationwide average of 714. And her cheeky prompt landed her 17 dates in just 30 days.
"I really just did it to make my profile more unique," Nicewander said in an interview with Newsweek. "I realized it was popular when almost every single 'like' on my profile was directed towards my credit score photo."
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Nicewander isn’t the only one who’s scored dates with their financial acumen. Boston-based influencer Shannon Groffie recently did the same with a tidy credit score of 804.
“All I needed to see. Drinks next Thursday?” responded one admirer named Aaron, according to her screenshots from the dating app. Another, Kai, said, “Holy s–- marry me?”
It might be bold to lead with your FICO score, but talking about finances is a great way to decide whether you’re compatible with someone. Here are 3 ways to improve your credit score — and relationship prospects — too.
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1. Check your score
The first step to improving your credit score is to actually find out what it is. You can get your score for free by contacting your bank or credit card issuer, or an online provider like Credit Sesame.
For reference, a good credit score is between 690 and 719, while 720 and up is considered excellent.
The higher your score, the more likely you’ll be able to secure favorable terms and interest rates on things like auto loans or mortgages.
2. Review your credit history
Next, go over the records of all your bills and payments in your credit report.
This way you can track what you’re spending money on each month and look for areas to cut back — like perhaps a streaming subscription you no longer use. Consider creating a budget or use the cash-stuffing hack to get a handle on your spending too.
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You can also keep an eye out for any outdated or incorrect information, like loans you’ve already paid off, or an unauthorized credit check, which can also lower your credit score.
If you spot anything amiss, you can go ahead and request an investigation.
Read More: Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it
3. Pay off your debts
Now that you know where you stand, it’s time to take action by lowering your debt load.
The lower your credit utilization rate (the amount of available credit you’re using), the better your chances of improving your credit score. Experts generally recommend keeping your credit utilization rate below 30%, so it’s key to avoid carrying a large balance on your card.
As for how to tackle your debt, there are a couple of cool tactics you can try, like the snowball or avalanche methods. You might even be able to negotiate with your lender to lower your interest rate or reduce the amount of debt you owe.
If you’re juggling several lines of credit, another option would be to roll them into a single lower-interest loan and consolidate your debt.
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Serah Louis is a reporter with Moneywise.com. She enjoys tackling topical personal finance issues for young people and women and covering the latest in financial news.
