And she may have some on one of the "lesser" boards.  However, if she says she is new and does not have any or does not allow reviews, my suggestion is to move on.

TOFTT is not something newbies should try.  Yes, its true everyone has to start somewhere, but a newbie should stick to a well-reviewed lady.

Just depends..there are lots of providers with reviews.  It is tough just going by a voice on the phone.  Everyone sounds pretty nice.

It's your responsibility to do your homework correctly.  There are other boards other than TER that likely serve your area...you need to find out about them, and use them as a supplementary source of info.  If you cannot find any info from here or elsewhere...you need to decide whether it's worth TOFTT, or moving on.  I would do the latter, but that's me...

about provider reviews

you could try to ask her if she has any reviews posted or even ask her for references.. like myself i have 2 reviews up online but i have verified references of previous dates who will vouch for me! Good luck