Asked by Scotty T., Meriden, CT • Mon Jul 11, 2011
Hi. Im 27 just repaired my FICO from some dumb things I forgot about when I was younger, paid it ALL off and my score shoots up to 637 on one and 640 on the other two. Just started a new job 3 weeks ago in same field but higher pay 37k. Im an online student with 9.5k in student loans but still attending so I dont have to pay until I graduate. I have a car payment of 394/mo (Chrysler 300) Balance on loan is 8500. My gf is pregnant, her score shoots around 580-610, its different every other month. Her ex messed her score up, but she is a great woman. She makes 37k as well at a new job she been at for 5mo, b4 that she made 36k at a job she was at for 7 years. She is an online student as well with a student loan of about the same as mine. She has no othr loans except some retail cards that her balance is fully paid. We want to buy a home very soon, but we have 3k-4k. My bank account is pretty low, hers has all the money in it. What do we do & how do we make this work? Im honest here, help?
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