We just got her score on Equifax..it is 702. She has nothing negative except one 30 day late that is old. (It is inaccurate..she would rather cut off her arm than be late, bless her heart).. Anyway, her one problem is her debt ratio. She also has credit cards with higher interest charges. I've heard lots of talk about the possibilities for her with balance transfers. What would you all recommend for her to get rid of her higher interest cards in balance transfers?? Would you recommend Nextcard? She actually closed her Chase, her Fleet, her American Express years ago.....should she consider those again?? Thanks so very much!!! She's out to dinner and I want to look smart when she returns so all help very much appreciated! Thanks!