“Are you or have you ever been a member of the communist party?” okay just kidding but that could have been a good one in the 1950’s, but it brings up something almost as bizarre but needed in today’s society. In some fashion you should bring up something about their personal credit. YES! It sounds cold and nasty but if you can find out in a subtle way if you are entering a potential relationship that will entail constant calls from collection agencies and utilities being turned off periodically you need to decide about how dependable that person is.

Their failure to pay bills on time might not only cause you occasional inconveniences but you may be sucked into dealing with issues not of your making and quite often this can lead to credit issues of your own. Buying a car or buying a house might become an adventure as credit worthiness will not only determine if you can actually make that purchase but the amount of interest you will be paying as well.

If the person you are with is fine with constantly ducking the calls from collection agents it should tell you something about their character as well.  Running and hiding from a problem is never a substitute for fixing a problem and dating that person just makes you someone to share the problem with or fix it for them. Knowing this before you get too involved can save you a lot of aggravation and sorrow.

I can’t tell you how many times I have seen someone pay off another’s debts just to make the problem go away. You may think that’s the end of it, but sadly, it is not. In addition to being the contact that collection agents call for any future and even past debts from now on, you may begin to feel like the person you are dating owes you something money or otherwise. They however may not see it that way and it’s dating as usual until the next problem comes along. Bitterness can grow and the relationship can take a turn for the worse, but don’t worry, you can still talk about it with the collectors that will still call you when they can’t find the other person.

In a sugardaddie relationship you already know that you will incur some costs but they are rarely tied directly to you and when that relationship ends, that is usually the end of any financial attachments as well. The bottom line is, if you are going on a date you may already know if they live alone or their level of education and employment, but credit worthiness is something you may find out about after it’s too late!