Thanks for the thoughtful responses everyone.
Ugh, I really hate having such practical dealbreakers involved in my romantic relationships, but I suppose that's the way of the world these days for middle class government employee types that want to own their own home in less than a century. Shucks, looks like I'm set to experience the whole smorgasbord of relationship defects: mental, emotional, physical, spiritual, and financial. I figure I'll keep on truckin' with what I've got for now and see where the [money] meets the road when it comes time for resolution. It's sad that destroying your credit rating when you're young essentially disables you for a decade if you fail to address it... but it's a hard knock life. Perhaps I should have included the "Sooo, what's your credit score?" in my pick-up lines that night, huh? She might have rock hard abs and drive a nice car and be great in the sack... but if her credit score is whack... zero future together.
If all else fails, I hear
HorrorCrush.com has cute single zombie girls.