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And an online dating site is betting that hooking people up — in part based on their credit scores –will score lots of users.

Continuing to make late payments or missing payments can be a big problem if you open joint accounts.Unless you plan to take charge of all joint accounts after you get married, it is a good idea to help your significant other mend their irresponsible credit ways before you tie the knot.If they have a limited credit history, help them apply for new credit cards that can help them optimize their credit utilization ratio.In the case that their bad credit keeps them from qualifying for a new card, encourage him or her to sign up for a secured credit card that reports to the three credit bureaus, which can help them build creditworthiness and give them good practice with plastic.Again, it's not your significant other's bad credit that should be a deal-breaker, but their willingness or unwillingness to mend it.

If they are open and enthusiastic about getting on the right financial track, encourage them to improve their credit by helping them review their credit reports and take the necessary steps to fix any errors.Every consumer is entitled to a free credit report every year from each of the three bureaus -- Equifax, Experian and Trans Union -- at If your partner wants to gather more information about his or her credit, it would be smart to sign up for a credit report monitoring service, which provides updated credit scores in addition to credit reports.The answer is yes, it is okay -- unless you are planning a future with them.It's not only their actual credit score that may cause problems for you in the future, but their attitude towards their credit and financial health overall.Getting a mortgage or even renting an apartment may be more difficult if one of you has bad credit.