Well i went in a made the refi official today! When i call wells fargo that i needed a payoff quote, which i couldve got online but wanted to talk to somebody there and brag about my CU rate (1.98%) and in an attempt to keep my business with them they offered my 14% hahaha. My CU is just awesome they offered me a visa cc with them using the same pull but i said no. i dont want any more cards except for CSP!

Thanks to everybody on myFICO for the advice and guidence!