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=824 07/19/20 EX fico08=819 07/04/20 EQ fico08=835 07/06/20 EX fico09=837 07/01/20 EQ fico bankcard08=858 06/23/20 TU Fico Bankcard 08=859 06/23/20 EQ NG1 fico=802 06/20/20 EQ Resilience index score=59 04/26/20 Unknown score from EX=784 used by Cap1 07/10/20