How does a personal loan from a national bank affect my credit score?

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      Anonymous
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      My husband and tried to consolidate some credit card bills about 8 months ago. Unfortunately we had to do it on 2 credit cards because we could not get a large enough extension of credit for one. I would like to put these two cards together after the 0% interest rate has expired. If we choose to get a personal loan from a bank how will this affect our scores? We have several new accounts opened in the last 2 years and we plan to buy a new home in the next few months. (We also have a second home and one vehicle we are paying on). Please help.
      By the way, I have excellent credit. We are a little extended with the debt to income ratio, but overall we are mid 700.

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