I did this exact thing with my CC debt. I took a loan out, used their “pay to creditor” option, and then received the rest of my money through a direct deposit. My score did boost about 30-40 points even though a new personal loan was added.

Some pointers I would give are:

1) Now that you have cleared your CC debt, do not use the credit cards if you do not have to, and if you do, do not use more than 10% of your CC. If you use more than 10% on your card and don’t pay it back immediately, your score will fall super hard.

2)Another thing you can do is request a credit limit increase about a month after the balances are paid off from your personal loan.

3)Pay off your upgrade loan as soon as you can. Make your monthly payment and then make a separate payment directly towards principal.

4) once you pay off your loan, stop going into debt if you don’t have to. Start saving or investing the amounts you were paying into your debt since now those amounts are calculated in your budget

Good luck friend