The Dating App Based on Credit Score Is Back

Luke Bailey announced the permanent relaunch of Score, a dating application requiring Equifax-verified credit data for premium access, following a 50,000-user pilot phase that concluded in 2024.

Reporting from TechCrunch indicates the platform will now operate as a permanent iOS application with planned expansion into the Canadian market. This move signifies a structural shift where credit bureaus, historically used for lending and housing, function as gatekeepers for social capital. By integrating soft-pull credit inquiries into the onboarding process, the platform formalizes financial health as a primary metric for interpersonal compatibility.

The Bifurcation of Digital Social Access

The updated platform architecture introduces a two-tier system to manage user distribution. Basic users may browse the interface without identity or credit verification. Verified members must consent to an Equifax soft-pull to access premium features. These features include proximity-based matching and direct messaging capabilities. This structure creates a segmented marketplace where verified financial data serves as the “high-signal” entry point for a specific class of users.

Alternative Data as a Proxy for Behavioral Reliability

The platform utilizes credit scores not as a measure of total assets, but as a metric for behavioral consistency. Management asserts that credit histories provide a documented record of accountability over time. The application does not store full credit reports or sensitive personal identifiers on internal servers. Instead, it receives a binary confirmation of “Verified” status from the credit bureau. This process aims to mitigate the friction typically associated with discussing debt and fiscal management during the early stages of courtship.

Longitudinal Socioeconomic Data Capture

The previous iteration of the app generated specific data points regarding the gendered credit gap. Research showed Millennial men maintained credit scores 11% higher than their female counterparts. This gap narrowed to 3% within the Gen Z demographic. The permanent relaunch allows for the continued collection of these metrics across different regions. This data provides a secondary value stream by tracking how generational shifts and economic policy impact the creditworthiness of various populations.