The Credit Test to see if your Girl is worth a LTR or a casual Fling

[Jake_Gyllenhaal69]

My previous job was a loan originator at a bank and I had to check credit of people and businesses for a living. I did not just handout money to anyone, so I would obviously review their credit and make a decision based on that. Men need to do the same thing because apparently giving a guy some pvssy is enough to get her approved for a LTR these days. First, you will have to be honest with yourself when you review your girl! You can go and cap and say my girl was a 720 above and she cheated on me/blah blah blah and leave out every detail that doesn't benefit you, but that's your downfall not mine. Second, every tier can be rejected for a LTR, so don't assume all of them are qualified. If you are going to reject a 720 and above, have a good reason to do so. If you are going to approve marginal credit, have a lot of good reasons to do so lol.

Also, I make mistakes, so this is subjected to editing lol.

Prime Credit/Green Arrow

This girl is an obvious LTR prospect, so do not waste this opportunity. Do not make this girl wait 5 months plus or put her through any shvt tests BS.

- Good Credit Score
- Ex is from 3-6 months ago
- Attractive
- Has given you clear indications that she is looking for an LTR
- No close toxic friends, all of her friends are normal and cool to be around
- Little to no Male friends...even gay ones
- Her lifestyle & personality is a complete match with yours
- No frequent Girls Night out behavior...Once every few months
- Very little mixed signals of interest
- No Tattoos
- You don't have to question her past laycount/types of guys

Mixed Credit

She is a good match for a LTR, but she might live across town or live a lifestyle that you aren't completely content with. Take it a little more cautiously to see if this is a deal breaker later down the road. You might not need to have rules/deal breakers for this girl, but you might need to have a discussion about something before

- Good credit score
- Previous ex more than 6 months ago
- Attractive
- Has given you clear indications that she is looking for an LTR
- No close toxic friends, all of her friends are normal and cool to be around
- Little to no Male friends...even gay ones
- Different lifestyle/personality than you
- ONLY 1 tattoo
- Occasional Girls Night out, maybe once or twice a month at minimum.
- Some mixed signals of interest, but not a lot
- You don't have to question her past laycount/types of guys

Marginal Credit

Wait a minimum of 6 months before entering an LTR, have clear & firm rules/standards/deal breakers upon entrance, meet all of her close friends/family beforehand, know about her exes and past.

- Mixed credit score
- Compatible personality and lifestyle
- Previous Ex is more than 6 months ago or recent
- Has some bad boys/hyper value men in her history (Entertainers, Athletes, etc)
- Only 1 tattoo
- Has an obvious male friend/or orbiters in her circle
- Gives you clear indications that she is looking for an LTR
- Her looks pass your dry spell goggles test
- Has one toxic friend that is questionable
- Occasionally gives out mixed signals of interest
- Has some hypergamy going on in her past

Subprime Payday Loan Credit

Listen, I am not in the business of buying subprime paper, but there are people/businesses that will. I understand that you might not be in the position to attract a girl with high credit right now, so I would just say spin plates at this point rather than risk it.

If any point applies!

- Frequently goes out to clubs and bars (Every week or every other week)
- Close friends/family are clearly toxic and a bad influence
- Has a bad credit score
- Male friend is an ex or previous fling
- Shows Alpha Widow syndrome
- Frequent signs of mixed signals of interest
- More than 2 tattoos
- Has more than one non-work-vacation planned prior to you meeting her
- Obvious past Hypergamy past and recent too
- No clear indications of wanting a LTR, you don't know where you stand with her at times

 

[pipeman84]

The most important test for LTR is her capacity to bond/how loyal she is.
0 ex (virgin) - clean record, best prospect
1 ex - file it under: even good girls make mistakes
2 exes - she may be a slow learner/had bad luck
More than that and she's not LTR material. It's ridiculous to say 'she's my girl' or worse, 'my wife' about a woman who's had plenty guys before you. And it's a travesty to hear her say 'I love you' or similar.

 

[Jake_Gyllenhaal69]

The most important test for LTR is her capacity to bond/how loyal she is.
0 ex (virgin) - clean record, best prospect
1 ex - file it under: even good girls make mistakes
2 exes - she may be a slow learner/had bad luck
More than that and she's not LTR material. It's ridiculous to say 'she's my girl' or worse, 'my wife' about a woman who's had plenty guys before you. And it's a travesty to hear her say 'I love you' or similar.

Unless you are fvcking with teens, the days of extremely low body counts are gone. Now I agree there's a certain number of guys a woman can bed with before she loses the ability to properly pair bond. However, you will never get the correct number, so it is basically your guess. The credit system does the guessing for you.