<prompt> Human: I was approved for a 0 credit card. So i took three cards with high interest rates and transferred the balances to the new card. My credit score dropped 70 points! I also recently bought a house and the mortgage just showed up as well, maybe that had something to do with it, Im not sure.  <response>: My score dipped a ton when I bought a house. Its been almost a year and not seeing a ton of recovery yet. Sigh. 