I just heard my cousin Fraz found a rishta and the father wanted to pull up his credit report to move forward. I heard this and I am really confused…
I don’t have good credit (no credit actually) because I deal everything without interest as I was taught by my parents and religous reasons of course but do you guys think it’s OKAY for some one to do that? Isn’t that crossing the line? My cousin had no problem with it but to me that’s just wrong.
What say you?
A credit check maybe a good way to check for those "funny" things people do. You know like borrow money and forget about it, or just stop paying a credit card after running it up a couple of thousand. It also tells about past financial problems that may come to haunt later. Loans just don't get forgiven.
What if the credit report said that the person has a missed payment every month for the past year, despite the person being employed. Does that mean he is spending his money else where? What if they want to buy a car and don't have enough cash? A car is absolutely necessary in most parts of US. Would anyone want to marry a guy who just quit paying loans without a good reason?
Good credit is really necessary in this country, as much as a good job. If you have bad credit, even finding a decent apartment becomes tough. And no credit isn't a bad thing, unless you want to get a car loan or a mortgage.
Re: Running Credit Check before marriage... seriously??
I dont think credit checks are necessary to marry a person.
Re: Running Credit Check before marriage... seriously??
BTW, there was a great thread on here a couple years ago, about some guy whose to-be father-in-law wanted him to sign a pre-nup. It was amazing and LOL at the same time.
Re: Running Credit Check before marriage… seriously??
i think it should be made a must… honestly… it pisses me off how a guy messes up his credit history, doesnt pay back loans, takes OUT loans on top of loans for dumbass things just cuz he cant afford it… the loans start adding up.. he gets married .. and suddenly it all blows up in the girl’s face. suddenly they dont have money to do the basic things like go out, or buy things cuz oh i made a mistake and im now paying for it honey, please be understanding . before marriage, guy should sit down with the girl and say ok, this is how messed up my credit history is, this is how many loans i have, just so the girl is aware aswell as ready to live a life where she knows she wont be able to afford much. (in a situation where the guy is actually paying off loans .. not even talkin about the ones who dont pay back).
denmark is messed up in this sense… her doosray ghar ki yehi kahani hai. its like the nation is run on loans… and not even loans for a house or a car.. dumbass things like buying flowers and accessories for a lawn, or laptops and designer kitchens. have a close friend who came from a well off family, married a guy who has loans in the millions (which is absolutely normal in dk) and he is paying them off, but that means not having enuff money to buy basic things every month.. she is sticking by him, but always says that if only she had known, she would have asked him to pay off the loans first, or atleast should have let her know bout it so she could have been mentally prepared… and this is just one of the many ppl i know in our social circle.
so a background check on the guy’s credit history is a great idea.. also to find out what kinds of things the person takes a loan for.. some ppl just dont have common sense and want to buy things even though they cant afford them (things that make no diff to their daily existence , like techincal gadgets).. shows a weakness in character.. wouldnt want to end up with someone like that… or does the person have student loans, loans for a car or house which are quite understadable.
kher… seeing so many homes effected by bad credit history and girls getting caught in the middle, literally paying for someone elses idiocy, i would say all dads should ask the guy for their credit history. 
Re: Running Credit Check before marriage... seriously??
Add a medical report to it - an STD check.
Re: Running Credit Check before marriage… seriously??
This topic has been discussed in details in this thread.
http://www.paklinks.com/gs/life-relationships/295443-background-check-prospective-spouse.html?highlight=background+check
Re: Running Credit Check before marriage... seriously??
I think its fair, you dont want to end up with someone with a string of loand attached to him/her. Thread starter, NOT having credit is different from having bad credit. I dont think you have anything to worry about, because you never defaulted or anything of that sort, its just that you probably dont have many revolving accounts open, which isnt really going to your disadvantage for what this credit check is needed for.
Add a medical report to it - an STD check.
This I do believe is a must.
Re: Running Credit Check before marriage... seriously??
^ Yup. Actually I believe there should be a pre-marriage checklist, quite many things that should be checked.
Seriously, that'll fix the muckin fakes.
Re: Running Credit Check before marriage... seriously??
Nothing wrong with doing it especially if you dont know anything about the person.
Finding out about a person's credit will give you a good idea of how the person handles money and how responsible of a person they are. You dont want to marry someone with an outstanding debt.
Coca Cola....not having credit is different from having bad credit.
What if the guy is a big businessman with billions of dollars of debt against the business ? 
not good :nono:
Like someone will refuse a rishta by a big business man with billions of dollars in debt.
Credit checks? Well, thankfully desi community is so gender-biased and don’t think about running them for women - because then I’d have a really hard time getting married 
Re: Running Credit Check before marriage... seriously??
if its an arranged marriage, one must check what the fk so ever one can check. you are allowing your progeny to breed with this person, and want to ensure your grand-kids have a good chance at making it in this world. i would even prescribe a physical and mental fitness evaluation, and a comprehensive blood test, esp a lipid profile.
Re: Running Credit Check before marriage... seriously??
Why not a background check?