Thanks for the suggestion. I have Money, so I'll give that a try.

 

As for limits, they are

BOA - $23k

Discover - $10k

Chase - $3k

Amex - $13k

 

I also have several cards with zero balances:

MBNA - $17k limit

Cap One - $4k

Juniper - $10k

 

My Equifax credit report lists my debt to credit ratio for revolving accounts at 33%. It's 95% for my installment accounts (student loans and car payment). Should I take this to mean that moving debt from the "revolving" to "installment" category won't help my score?