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=823 08/12/19 EX fico08=813 08/10/19 EQ fico08=826 08/04/19 EX fico09=818 08/03/19 EQ fico bankcard08=849 07/23/19