I wish to add, that my scores have been between 760-840 since I started tracking in 2010, I have a very thick credit file that is totally clean. It is due to this, I think, that my credit scores stay fairly stable, even when something gets paid off or I fail to PIF before a closing date which makes that months utilization notably higher. Nothing I do seems to have any major effect....that is normal for a thick mature credit file. It is often the thin credit files that see major changes every month.
TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
