I still can not believe how easy this was. Yes, I have a good credit score. I still had CC debt, I desperately wanted to pay off. NOW, my monthly payout leaves me with money each month, paying back this loan, helped. I am throughly happy. I made sure I could pay off early without penalty. It took a few days for them to pay off my creditors. I let them to do, or you can on your own. Its easy and painless.