Love might be blind, but it’s not fiscally irresponsible. At least not if a new dating app has its way. Just in time for Valentine’s Day, Score, a new app (and website) for the financially minded, hopes to attract people with “good to excellent” credit who know the importance of monitoring their finances. No one with a credit score of less than 675 is allowed to join. (A score of 850 is considered perfect, though very few people are near that level.)
Score is the creation of Neon Money Club, a Black-owned fintech company that has partnered with American Express to launch its own credit card, the Cream Card, which lets holders invest in the stock market using points they earn on spending. The goal of the dating site, beyond the obvious, is to bring the issue of financial health to the forefront of conversation (and, you know, promote Neon Money Club).
“Financial wellness often takes a back seat. At Neon Money Club, our mission is to inject financial awareness into the fabric of everyday life,” Luke Bailey, CEO of Neon Money Club, said in a statement. “To achieve this, we have to take the conversation to places where it isn’t normally discussed. . . . Score aims to elevate the discussion around financial health, which has remained stagnant for decades.”
Despite the innuendo-laden name, Score is really more akin to other dating apps that bring together people with common interests. (It could just as easily be named Money Mingle or Investors Only.) The bottom line is: If you’re looking for love and have a healthy enough credit history, Score will attempt to match you with like-minded singles.
People who have higher credit scores are more inclined to enter into committed relationships, the company said, citing a Federal Reserve study.
If you want to use it to find a match, you’ll need to act fast, though. Score, unlike other dating sites, is not intended to be around permanently. Neon Money Club calls it a “pop up experience” in the fine print of the terms of use. After 90 days or so, the app/website will go away, TechCrunch reports.
Score does not currently charge members to sign up or for its matchmaking service. That’s significantly different than larger dating sites like Match.com, which charges between $22 and $38 per month, and Tinder, which has a $499-per-month subscription level for elite members.
Worried about whether joining the site will impact your credit score? That’s just the sort of thinking Score is looking for.
And the answer is: It won’t. The site runs a soft credit check on prospective members, which doesn’t impact your rating. If your credit score doesn’t make the cut, Score will send you resources on how to improve it and a referral to Grow Credit, a credit-building service. (It’s worth noting that Grow Credit will send those people back to Neon Money Club to qualify for its products. The matchmaking isn’t just for prospective couples. Score is also a way for Neon Money Club to find new customers.)
Signing up for Score doesn’t obligate users to create a Neon Money Club account—and users won’t learn each other’s credit score when they’re matched. (The scores, themselves, aren’t factored into the matchmaking either, so a person who squeaks through with a 675 can still be paired with someone with a near-perfect credit score.)
Financial awareness and responsibility will get you through the door. To find your sweetie, though, you’ll need to have mutual interests—and maybe talk about more than just your bank accounts.
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