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But let's not look this gift conversational horse in the mouth: Credit score talk is a great ice-breaker, and can lead to all sorts of fascinating revelations about you and your dining companion, who is probably going to have his credit card rejected once he tries to pay for your meal, just so you know! There are three options upon being asked your credit score by a date.

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Speaking of which, here's a handy guide to credit score dating: Of course, a credit score is just a number, like age, like one's address, like how many dollar bills one has stored in his or her mattress.

But for a lazy dater, or a person with a lot of relationship check-boxes, it's far more quantifiable than, say, something as abstract as "personality," which means it's far easier to use as a judging tool. We never tell on a first date, or a fifth, for that matter.

Kansas State University researcher Sonya Britt participated in that study, and her research paper reached the same conclusion.

Regardless of income, she found arguments over money are a major predictor for divorce. If one partner has a high credit score and the other a low one, it suggests that one is careful with finances while the other is either reckless or makes a series of uninformed choices. Once a couple is married, they often share credit accounts.

If you don't, you're probably not a good match for someone asking you your credit score on a first date, and you should sneak out through the back after drinking everything on the table.

If you do know, and you know that your credit score is bad, you should lie to at least get a free meal, lord knows you could use it, and, look, later you can tell the truth, or just "disappear" (you need a new credit score anyway! Tell that person exactly what it is—in fact, pull out that gorgeous little Equifax printout you've laminated and show it—then buy plane tickets to Vegas immediately, using points, of course, fly there, and get married. If you're having trouble with any of the above, whether it be your credit score or weird dating questions about it, know that "small, online dating Web sites have sprung up to cater specifically to singles looking for a partner with a tiptop credit score." We'll allow you to google those on your own; if you have a terrible credit score, no need to apply!The scores are not verified, but the site but says it believes that 92% of the posted scores are accurate. True, focusing on how a potential partner handles a checkbook and credit card might dampen the romance of dating, but it could save some heartache later on.Some people on both sides of the issue – financial advisors and relationship experts – believe money management is an important relationship topic that is easily overlooked in the first blush of romance.Financial advisor Christopher Krell urges couples to have a candid conversation about money, including their approaches to both spending and saving.He points to a 2012 study published in the Family Relations Journal which concluded that disagreements about money are the main reason marriages hit the rocks.Anyone who has hit the dating circuit over the last few years knows that it is a bit of a jungle out there.Gone are the days when the only things that mattered are your sweet car and ripped biceps.By now, most of us know what goes into a credit score. I’ll be honest, I have considered turning girls down in the past because they had credit card debt or a bad credit score.We know that they are important for credit cards and mortgages, and we have even wondered if they matter if we plan to live a debt free lifestyle. I just thought that was because I am a finance nerd. Tons of people think about your credit and how you handle money when deciding if you have what it takes to be a baby daddy/baby momma. They purport to be a dating website “where good credit is sexy.” I think that is kind of cool.Mark Huffman has been a consumer news reporter for Consumer Affairs since 2004.He covers real estate, gas prices and the economy and has reported extensively on negative-option sales.

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