<prompt> Human: 20 years old, no student loans, car loan paid off, credit card bill paid in full every month, and just rented an apartment with my girlfriend. My FICO credit score went from a 750 to a 746. Not a large drop but is that because of my new apartment? why?  <response>: Probably the hard pull from the apartments credit check.Nothing to write home about. Stop worrying about a 4pt drop in your score. There is an ebb and a flow. 