<prompt> Human: I remember my credit score last month was 660. This was up from 640 around this time last year. It hasnt been good. Ive tried to open new credit lines to make it better but Ive been denied the two times Ive tried so I havent tried any more.Today I look at my credit score and its 690? WHAT?I havent paid off any cards, I still have like 13,000 in credit card debt and 100,000 in student loans. I have in the past 6 months started putting a significant amount towards it each month, more than the minimum, but still less than 1000. I make new charges on occasion despite all of my best judgments, it does happen.Literally the oNLY difference is that I moved one smaller balance 1,500 to another card for 0 APR so i could focus on another one for the meantime a 3,000 balance. IDK why Im all for shuffling balances around until its done. I like doing it, maybe its pointless, only saving a couple bucks in the end, but mentally I like having fewer cards. It feels like an accomplishment even though its not, really. SHRUG.But could moving a balance raise this? trick the credit tracking into thinking I had a totally empty card, when in reality i just put the 1500 onto another card? Its weird. IDK.  <response>: If a sudden jump of 30 points is blowing your mind, youre watching that score too closely. Just focus on handling your finances properly, and that score will take care of itself. 