Shannon is looking to buy her first house. Since she knows that her credit score could have a big impact, she wants to improve hers as much as possible. She has a number of credit cards that she pays regularly. She could not pay them off right now, but she just got an offer in the mail for a new credit card that has no interest or fees on balance transfers. This change would dramatically lower her monthly payments. Since she has an erratic work schedule, she has also had trouble paying her bills on time. What can she do to improve her credit score?