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Robert- There would not be a credit check unless you are taking out a loan to pay for the timeshare. The buyer typically pays the closing costs and transfer fees. This amount will vary, but you could check with the resort to see how much they charge for transferring the timeshare. If the owner has not paid the maintenance fee for the current year, then you would need to pay it at the closing. Otherwise, maintenance fees are typically due at the beginning of each year. If you have further questions, please [url=http://www.redweek.com/contact_us]Contact Us[/url] . Phyllis