@Anonymous wrote:tcbofade, just few more suggestions.
1. Make sure you pay attention to restoring grace period for each card when you pay them off, look out for residual interest. Best is to call each and ask for the payoff amount that includes the residual interest for the current cycle, PIF and stop using the cards to allow them to post $0 on the next statement. Once the grace period is restored, make sure to report a small balance on at least one of the cards to avoid the All Zero FICO penalty of 15-20 points.
2. Assuming your current aggregate and individual UTIs are fairly high, there should be a decent scoring bump once the new CC balances settle in, this should open doors to better options with even lower APR, I would keep that option open once the new CC balances report. When searching for new options, always make sure the loan has no origination fee/closing cost, as well as prepayment (early payoff) penalty so you can pay it off early fee free.
Thank you for your thoughts...
I'm not ready for AZEO yet...I've got three zero percent deals going that I am NOT paying off... and two sizeable credit cards with lower interest rates then the new loan, so I'll be keeping those five balances for a while.
I'm not terribly worried about residual interest... yes, there will be some. (...and I WAS aware, but thank you!) When I get the bill, I'll pay it. 
Current aggregate is around 25%... no individual cards over 68%. Aggregate should drop below 9% and I'm hoping for a nice score boost when that happens.
...and part of the conversation I had with the branch manager at the local bank included a promise to return and speak to her again when my score reaches 720.
Looks like you got everything covered, forgot you're a super contributor. 
@Anonymous wrote:Looks like you got everything covered, forgot you're a super contributor.
...and I'm learning everyday. 
thank you for your help!
Deposited check on Friday, 26 October.
Logged in to Penfed this morning, the loan shows up with first payment due on 12/04!
My bank is still holding the funds until Tuesday, 06 November (which is fine!) but it's nice to see it show up on Penfeds site.
....I'm a real boy!....
DW used hers it was super easy deposited check on 23 on 24 funds were available showed on the Penfed site 2 days later super easy to do. Just to add about a week later u will get a promissory note u have to sign and send back.
@Anonymous wrote:Congrats.
Mine is still on my desk taunting me. I'm thinking of depositing it, then immediately paying it down to below 8% remaining balance to see what happens to my score but the 12.99% interest rate is discouraging me.
Foul! Unnecessary roughness. 15 negative Kudos for the cheeseheads! 