<human>: Can you condense the text into a few key points?

I had $3500 in high interest rate CCs (mostly retail) that I paid off w/ personal loan, interest rate was a fourth of the CCs. Ive been using snowball and paid off 2 CCs prior to loan. I now have 3 low interest secured CCs & line of credit w/ utilization of 11%. I closed the retail cards (compulsive spender in remission), and negotiated better ir & increases on secured cards. Now my utilization has dropped even more. How will this look on credit report? Credit utilization vastly improved-but have personal loan on file. How do loans look on CR compared to CC's that are near limits? Credit score was 707 at time of loan being processed.
<bot>: got loan for debt reconsolidation. Credit utiliz imrove greatly, but now have a loan, will it help/hurt CR?