Money, financial responsibility, dating, and relationships

Even our dating decisions are dictated by money, according to Experian. Recently released research says that the majority of us seem to think that financial responsibility is attractive in our potential partners.


Research from Experian has shown that 3 in 4 of women think financial prudence is more attractive than appearance, education or background, and virtually on a par with intelligence (74%).1


It turns out that the only factor rated more attractive than that in a potential partner was a good sense of humour (87%), with appearance (65%), education (42%) and background (26%) a long way behind. Big money factors such as wealth (21%) and salary (34%) fared a lot worse than earthier topics like sharing the same life goals (59%) or family plans (64%).


For men however, financial responsibility isn’t considered nearly as important (55%), with physical appearance quite a way ahead (67%), though a sense of humour still tops the list at 4 in every 5 men.


Seventy percent of couples say that they make all big financial decisions together – the average Briton won’t spend more than £313.46 without the approval from their other half. However, 60% of us admit to arguing with their other half over money (6% regularly), with over-spending accounting for half of all rows (51%).


Experian research2 also found that 17% of Britons have seen their or their partner’s credit score harmed through their relationships. Of those, 1 in 5 found getting a mortgage more difficult or expensive, while 8% were unable to secure one at all. Just over 1 in 5 (23%) were unable to get a credit card, or take out store credit (21%).


It’s worth checking your credit report to see if and how you are financially linked. Credit reports only become linked if two people have actually applied for credit together (eg: a joint bank account, a mortgage with two names on it) or they tell Experian or a lender that they are financially connected.



If you do share or open up a financial connection, then each of you would see the other’s name in the section of your credit report entitled ‘Financial Associations’. Although lenders would then be able to look at both your credit reports, your own credit report would show only your own credit activity.


Keeping on top of your credit score is a clever move, especially if you’re in a couple. Factors you don’t control or necessarily know about can affect your ability to receive credit in future. If you’re single, it might just help you meet someone.

1Unless otherwise stated, all research was carried out online by Canadean Consumer on behalf of Experian Consumer Services among a representative panel of 2,005 UK adults in July 2014.

2Research carried out online by Progressive MediaGroup on behalf of Experian Consumer Services among a representative panel of 2,252 UK adults in February 2014.