https://www.marketwatch.com/story/fannie-mae-freddie-mac-to-use-alternative-credit-scores-what-that-...
I did some research on the Fico 10T score. The T stands for trended data. In order to optimize the most points, trended data needs to see that accounts, especially revolving category, that balances are trending downward. You cannot go up and down on utilization percentages. Also, always keeping credit card balances low. And, if you have a consolidation installment loan to pay off credit cards, do not run your revolving balances back up while you are paying on the loan.
