I figured bad credit is always a good subject matter since it is so common in the U.S. I have read that the average credit score in the U.S. is 650. I would be curious to see what the average credit score is right now after all these foreclosures and credit card debt issues. I would be willing to bet the average credit score currently well below 650.



Let's get back to the subject, about "Bad Credit" being a turnoff. Let's assume your name is Sherry, and you meet the coolest guy you have ever met in your life. All the sudden you are in love with each other. Well, obviously the next step would be to get married. But of course you have never requested copies of you're soon to be mate's credit report. You have been dating this individual for 2 years now, and decide a house, would be a great idea. But to your surprise you soon learn that you're soon to be husband has bad credit. Uh oh, now you cannot get a mortgage, because you don't qualify for the home you would prefer on your income alone. Now you start questioning your fianc? about why his credit is bad. Your fianc? now starts letting out all the skeletons that were never discussed before. You can now see how bad credit can be a real turn off quick.

How credit reports can say a lot about a person:

A Credit Report will tell a story about an individual. You can look at someone credit report and determine if they are a responsible person or not. If you pull your finances credit report, and their report is littered with collections, charge offs, bankruptcies and foreclosures, you might think twice about proceeding with the marriage. What would be hard to swallow would be the fact you have excellent credit, and if you marry this individual you inherit their bad credit debt and problems as well. Let's come down to reality; your credit can start to creep into all aspects of your life. So now you cannot buy house, but need to rent something until you figure out how to repair the credit issue. Landlords for rental properties will pull your credit and weigh the same calculated risk. They may not want to rent to you because of your bad credit circumstances. This bad credit issue, can creep into all parts of your personal life. It's kind of like if you don't brush your teeth, you will get a cavity. Well, bad credit will keep you from doing a lot of things. Here are a few examples:

1. Renting an apartment

2. Getting a new house.

3. Getting credit cards

4. Getting a new job

5. Getting a checking account

These are just some examples, of how bad credit can be like a plague in your life or a major turnoff for other parties. Everything is risk these days including marriage.Pull your free credit score report today, and nip matters in the bud up front. That way there are no surprises for anyone. There is a good chance you had good credit, but to your surprise one of your creditors put some inaccurate information on your credit report about you. This one of many reasons to stay on top of your credit report.