okay, here's one advise. don't under any circumstances put her credit card loan or any loan into your credit card or  account. if you are thinking of long term relationship with your girlfriend. make sure one of your credit history is in solid state.  if the debt is too much to handle right now, do debt settlement and you'll good relief from it. it will hit her credit history and may lower it to 500 range but in next 2 years, it will spring back up.


good luck.