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But I was young, insecure, and still pretty fresh on the dating scene. Love can make us all bitter and irrational sometimes, sure.

Bronx resident Equana Cobb was on a date last year when the guy started talking about buying a car and other big-ticket items, only to find out later that he still lived with his mom.

“I had to ask him about his credit score,” says Cobb, a 32-year-old graduate student.

Relationships can't be propped up on the promise of things being better some day. Rough patches or dealing with normal, everyday hazards is one thing.

But relationships need to be you and your mate taking on the world together -- not in spite of each other.

A discrepancy is also a bad sign — the study found that a 66-point difference is linked to a 24 percent greater chance the couple will break up.

“Millennials are the most indebted generation in American history,” says Lynnette Khalfani-Cox, author of “College Secrets: How To Save Money, Cut College Costs and Graduate Debt Free.” “Of course they’d care more about a person’s credit history before tying down their finances together.” Khalfani-Cox says credit scores are also a practical way to see if a partner knows how to prioritize and can be depended on to follow through on prior commitments.

But Khalfani-Cox says that doesn’t mean women who ask guys for their FICO number are gold diggers.

“A man’s credit score has nothing to do with his income,” Khalfani-Cox says.

I'm a woman who's all about going out with nice guys. I'm not an anomaly of the XX chromosome, I'm not boring, overly domestic, and certainly not a prude. But after kissing a few frogs, I've learned the benefits of always choosing a heart of gold over a tall, dark, and handsome jerk. People tend to want what they can't have, or be attracted to a challenge (bad-boy appeal in a nutshell).

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