New to Credit by Exam

[Back2College2014]

Hi everyone.

I've been reading and researching this new-found (for me, at least) credit by exam method of getting a college degree and found my way through the maze most of the way, however. The wall I keep running into is how to navigate the CLEP/DANTES/TESC exams and align them with the requirements of the desired degree from the college chosen, hopefully not to waste time on unnecessary or untransferable exams? I'm sure I'll have a big "duh!" moment once someone answers this question, but until then, how do you "veterans" do it?

I'm shooting for a BA in Psychology, I have 19 credits from a community college, and need 101 more credit. I still haven't decided, yet, between Excelsior and Thomas Edison. They both have pros and cons, however, I'm looking for the quickest route to my BA.

One more question I have is whether I can take CLEP exams w/out assigning any college as the recipient of the exam score? Can I have my CLEP scores/credit transferred to another college in the future (if I change colleges)?