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Chelsea B asked:


I have HORRIBLE credit, and my boyfriend has near perfect credit. He owns our home, and vehicle, has a few credit cards, as well as a decent amount in savings. And I’m wondering if we get married will my bad credit will bring his credit score down? If we were to sell the house and try to purchase a new one after being married, would we be able to put the house in his name only and do this without involving my credit. I have no problem not being on the deed or mortgage, I just don’t want my past mistakes to ruin what he has worked so hard for.

A. Harris asked:


I just consolidated my personal debt to a Bank of America Gold Option Loan and I don’t know if I did the right thing;

Private Loan - $10,100 … 13%APR
Credit Card 1 - $6,800 … 14%APR
Credit Card 2 - $4,900 … 0% 1year, 14%
Credit Card 3 - $3,000 … 0% 1year, 14%
Credit Card 4 - $1,000 … 0% 1year, 14%
Total = $25,800

The Gold Option Loan is for the above total debt amount. The terms of the loan were as follows, 96 months at a 16% interest rate with NO PREPAYMENT PENALTY. I know what you’re thinking… 96 months woah, I just agreed to that term so the minimum payment would be low, but I plan on paying more than that (just needed a safety net that’s all). The interest rate is fixed unless god forbid I miss a payment but with automatic bill pay I don’t forsee that happening. It seemed like it would 1.) help me pay off my debt faster and 2.) make my life a lot easier it terms of monthly payments. Did I do the right thing? Anybody else have this loan? Thanks…
What if in a couple of months I decide sell everything I have and pay off this consolidated loan how would I calculate the total payoff amount?

nella20005 asked:


How bad can one missed mortgage payment affect your credit score????

Greg asked:


i have a credit score of 770..any chance i can get an unsecured loan of 19-22,000? and if its possible..where? eloan, personal bank? i just want to consolidate my credit card bills into 1 giant loan. The interest rate will be ~ 14% but i will pay about 1500 a month so i will pay it off way before the 5 years that they offer..i just feel it easier to do that rather than have like 3 cards and its just alot of stress…