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While talking about credit scores on a first date seems "a little weird" to personal finance expert Liz Weston, she believes couples need to talk about their finances, including the all-important three digit number, before getting serious.

"I understand that it's an important issue, but I don't think it should be a top dating criteria ...

"If you're looking at building a life together, you need to know the details of each other's finances," says the site's owner, Niem Green.

"When you have the conversation, it's important not to focus on the score, but to understand the circumstances that led to the score: There is a difference between someone who has a [score of] 420 and laughs it off and someone who tells you their credit score is lower than they would like but they are working to fix it," he says.

"It was a reflection of whether he was responsible," she recalls.

The idea that credit scores are an indicator of how well someone handles commitment and honors agreements led to the creation of the online dating site Credit Score

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