<prompt> Human: I am planning to consolidate my credit card debt in order to increase my credit score by lowering my revolving utilization ratio. All of the credit simulators Ive used shows that this will significantly increase my score, taking me out of fair credit and into good credit. My goal is to be approved for a mortgage to buy a house. Is it possible that this transfer of debt from revolving to personal loan could be seen as a negative mark against me in the eyes of loan processors?  <response>: Oh my, this has disaster written all over it. Just focus on getting the credit card debt paid off. 