As I've written I've been paying down the credit cards (just 2 of them) - still have a LONG way to go but at least there is now substantial breathing room. However, last week I actually got 3 new cc offers - including 2 in 1 day!!!! I know we're doing better, but really? Glad to know our score must have gone up but how can it be good enough to get more offers, or even what would could our credit limit on a new card be? We had a tough month this month between dh's new glasses plus almost $600 in vet bills, plus probably more tomorrow. I did have to transfer $400 from our savings (not the EF). Our poor dog has pancreatitis so I'll find out tomorrow what we need to do. She loves the special diet cans but wow - $2/can!