Score is a new dating app for people with good to excellent credit


There’s a new dating app just in time for Valentine’s Day, but there’s a catch: You need to have at least 675 credit points to use it. Launched today by financial platform Neon Money Club, Score is a dating app for people with good to excellent credit, and it seeks to help raise awareness of the importance of finances in relationships.

“We need to take the conversation to areas where finance is not traditionally discussed,” Luke Bailey, co-founder and CEO of Neon Money Club, told TechCrunch, adding that traditional methods of financial awareness are outdated. “Before you can educate people, you have to get their attention. With Score, we bring the conversation to meetings.

Talking about money is often uncomfortable, but the reality is that finances can be an important part of relationships for many people. According to CNBC, most American citizens believe that debt is a strong reason to divorce. Indeed, financial problems are one of the main causes of divorce in this country.

The idea for the application was born at AfroTech from last year. Neon Money Club was already looking for a way to fix credit health and hosted a party that saw hundreds of people fill the streets of downtown Austin. As people waited in line, Bailey and her team started thinking about what they could ask these partygoers to make them feel comfortable talking about finances.

Neon Money Club Score app

Neon Money Club is a creative studio focused on fintech products.

“We decided to ask a question: ‘What should the minimum credit score be for someone you’re dating?’ said Bailey. “That question later became Score.”

The app will only be available for a limited time (approximately 90 days) and potential users must request it to access it. Upon registration, Neon Money Club will run a credit check on users that will not impact their credit reports, and the score will not be displayed on the app, Bailey said. If approved, users will have access to like-minded financial people on the app. People are also not matched based on credit levels, so someone with a score of 700 can match with someone with a score of 800. From there, just swipe left or right. right, as usual.

The exclusive aspect of the application will undoubtedly offend some people, especially considering that the average American citizen credit score is 716, with black and Hispanic people more likely than other racial groups have a score below 640. When asked how people might perceive the app as perpetuating the divide between classes, Bailey responded that having good credit is more aspirational than classist. He also stressed that it is entirely possible to have a high income with low credit. People denied access to Score will be directed to resources to improve their financial knowledge and to credit builder to help them improve their credit scores, he said. “Then those people are referred back to us to qualify for our products,” Bailey said, adding that it’s an intentionally positive cycle. “You need to be more aware of the doors that can be opened with a good credit history.”

Neon Money Club was launched in 2021 with the aim of tracking financial literacy and last year became the first black-owned tech company has start a credit card with AMEX. The card allows people to convert their credit card points into cash that they can then invest in the stock market.

The company has raised more than $10 million in venture capital, according to Pitchbook.

“We need more creative and diverse voices in finance,” Bailey said. “We are not the only ones who think this way. The industry simply needs to open more doors for others like us.


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