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Here's the deal

I have 23000 in debt split between two cards. One with 10000 at 3.99 for the life of the bal transfer and the other one with 13000 at 4.99 for the life. I have an offer for one of my other cards for 3.99 for the life of the transfer.

My girlfriend (we do plan on getting married) has 16,000 in debt spread across five cards and rates averging 18 to 20% (ouch). Now, I could take on 13000 of hers to my 3.99 percent card. I figure that saves around 1600 to 2000 over a year. Her remaining 3,000 will be paid off in 4 months. At that point she would give me 800 to a 1000 a month to my payments

I'm already paying around 1100 to 1200 per month on my cards. So my credit looks good right now event with 23000. The big question is, if I take 13000 from her that gives me 36,000 total debt. That is a little over half of my salary. How will that effect my credit rating? It would be short term pain though, becuase all cards (hers and mine) would be paid off by July 2005.

Would it really affect my credit rating right now?

Any ideas you have would be greatly appricieated.
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