More Telling Than a FICO Score

I’m about to become a landlord for the first time in my life. It’s a strange feeling. It took me 54 years to scrape and claw myself up into the middle class, and now here I am trying to judge the content of someone’s character based on their FICO score.

And I must say, it’s a very telling reference point. From it you can determine if one pays their debts, does not spend beyond their means, and basically if that person is a good financial risk. You can also get a sense of their level of discipline, their ability to hold a job, their integrity and responsibility. It’s not a perfect metric, to be sure. Life happens. But it’s better than flying blind.

Of course, we are using an application and doing a credit and background check as well. I’m trying really hard to look at this as a business, not as an emotional thing. As in, “I really like that couple. I want to help them.”

It’s really hard to pass judgment on someone you’ve just met. And it’s really important to me to do my best not to be biased. It’s not easy. But someone else gave me another measuring tool that is turning out to be even more telling than a FICO score.

When a couple is looking at your rental place, how are they talking to each other? Do they do so with respect? They don’t necessarily have to be affectionate. Some people are much more private than others. But are they being respectful to one another? Because if they can’t maintain that respect with the person that they supposedly love most in the world, then they’re not going to respect your house, and may not respect the need to pay the rent on time, either.

This makes perfect sense to me. And I think I’ll be using this yardstick in other walks of life as well. Because it’s true, when I see people who tease each other to an extreme, or are downright rude or cruel to one another, as a general rule, they’re not the type of people who I want to have in my life. How you treat your loved ones says a lot about who you are, deep down.

Respect. The ultimate FICO score.

Yardstick

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2 thoughts on “More Telling Than a FICO Score

  1. There was an old bit of dating advice I received from my father, stepfather, and uncle all at different times, so I am assuming it was commonplace. It’s horribly sexist by today’s standards, but it came from my parents’ generation so you have to look at it with that filter, and it echoes the same sentiment:

    When you take a girl out to dinner, pay very close attention to how she treats the waiter, because five years later, that is how she will be treating you.

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