Dear Emma,

I started dating the most amazing woman a few months ago.  It’s going so well that I feel she’s going to ask me to marry her soon. The problem is that I’m too embarrassed to tell her that my credit is in the toilet. We’re both professional, successful women, but I’m so afraid that she will judge me negatively for my past. I’m not irresponsible, but I went through a terrible divorce and it hit me financially pretty hard. How do I bring this up? Thanks, Emma.

– Afraidy Katy

Dear Fraidy,

It’s clear that you have fallen deeply in love. It’s also clear that you don’t trust her enough (or feel that you are lovable enough) to believe that she would love you even if you have lousy credit. You may be judging yourself more harshly than she would, but maybe not. You had better find this out before you marry. Personally, I’m a big believer in prenups, not because it prevents money problems after divorce – not necessarily true – but because it gets couples talking about  their true finances and their values about money and commitment.

And by the way, do you know what her credit score is?

– Emma