- A 29-year-old woman discovered her fiancé has a “terrible credit score,” just two months before their wedding
- She vented on Reddit about her 31-year-old fiancé’s financial situation preventing them from being able to move into their “dream apartment”
- The frustrated woman said she’s considering asking her fiancé’s parents to intervene as she’s unwilling to live somewhere cheap while he improves his credit score
A woman is considering telling her fiancé’s parents about his “financial crisis” as it’s impacting their ability to find suitable housing.
The 29-year-old woman penned a post on Reddit’s “Am I The A——” forum, explaining that she’s excited to marry her partner of five years in two months. However, the lease on their current apartment is set to end just two weeks after they tie the knot.
She described it as the “most stressful and exciting time” of their lives, as the dates also coincide with her 31-year-old fiancé’s career change. The Redditor revealed they’ve been “dreaming of living somewhere new” for a while, as their current apartment is small and not in the safest area.
“Well, it came to my attention that my fiancé has a terrible credit score and we got denied our dream apartment,” she vented. “I was and still am furious as my fiancé doesn’t understand how credit works. (I never asked him his credit as I figured he was doing well and we are adults, I didn’t think I would have to teach my fiancé about credit.)”
“Because of his bad credit, we cannot find a place that will accept his credit which means I have no idea if we’re going to have a roof over our head after we get married,” she continued. “My credit is strong but without his income I do not make 3x the amount of rent each month and hence, we can’t live in the area that we had been dreaming of.”
The woman confessed she doesn’t want to spend a year living somewhere cheap while her fiancé builds his credit score.
She said her fiancé has a “strong relationship” with his parents and could possibly get his name put on one of their credit cards, but will “feel less than and embarrassed” having to rely on them to improve his financial situation.
“The only debt we have are school loans which is only a few thousand,” the woman said. “Our cars are paid off, we don’t have any credit card debt. So money is not an issue for us, he just has poor credit.
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“So WIBTA [will I be the a——] going to his parents for some guidance and help? I’m beyond stressed out, I haven’t been able to sleep and I need help asap,” she added.
Many responses to the post argued that the man should speak to his parents himself and claimed the couple should’ve discussed money earlier in their relationship.
Others advised the woman to reconsider marriage until her fiancé’s financial situation improves.
“If it’s just bad credit due to no credit as you seem to suggest — your good credit would override that or you’d at least be offered the opportunity to get a co-signer,” one person wrote. “Yet you claim there’s no debt between you two other than student loans. That doesn’t ring true. You need to look at his credit report yourself before tying yourself to him in marriage.”
Another commented, “Neither of you should go to his parents, especially for a ‘want’ that certainly isn’t a ‘need.’ This doesn’t sound like their mess to clean up, and just sounds a bit immature/entitled. for better or for worse, yea?”
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A third quipped, “Don’t marry him. Use the wedding funds to prepay months in advance and reconsider marriage when his credit score improves. Don’t put that anchor around your neck because he will drag you under.”
The woman was grateful for the responses to the post and, in an edited comment, said she wouldn’t be going behind her fiancé’s back as they’ve discussed the idea of going to his parents. She added that he’s aware the situation is his own fault.
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Among the commenters were people saying that her fiancé’s parents could co-sign the lease, but adding his name to a credit card won’t help.
“I don’t think his parents would be able to magically repair his credit score,” one said. “Nor would they be able to dispense advice not already readily available online. They could nag and express disappointment, though.”
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