Credit Score or Loan

[Long Dinh]

Hello all,

I have 5 Long Term Rentals that I converted to STR this year.

I took out 40k from 2 CC to furnish the property and made some repairs.

This lower my credit from 740 to 600.

I would like to perform a Cash out refi to buy another property.

I was told to take out a personal loan to use on the CC to raise my credit score. Then pay off the loan with the Cash out refi.

Should I do this or just try to do a cash out refi?

Thank you for your answers. I'm looking to learn.