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Living with a less-than-perfect credit report paled in comparison to telling a new suitor about her troubles.

"I realized if we were going to have a good start to this relationship, we needed to be open and honest with each other," she says.

"When I told him about my credit, he reassured me that we have all been in bad financial situations and worked our way out of them." Five months later, "It hasn't impacted our relationship at all." While credit scores are important, Sprauve believes it's not a black-and-white issue.

"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.

Sometimes it is the default feels unfair in someway I will look at various cases to see what – if anything – can be done for each of them.

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A third of respondents to the my FICO survey admitted they were reluctant to share their scores with a significant other; just over half of the singles surveyed would tell a significant other their score.

A 2013 Credit research poll found the same reticence: Discussing debt remains a huge taboo, as big or bigger than talking about religion, politics or your sex life.

Following the financial crisis, the site experienced a surge in membership and a decline in the average age of members.

Of the 15,000 members using the online dating portal, a "significant percentage" are in their 20s and 30s.

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