Great to hear!
Sorry that I was mistaken. It sounded as though you were not listening. A number of people (me. Revelate, TT -- but me especially) were explaining a very clear easy to take course of action to assist you in achieving the practical aim you had at hand. In response, you did not say "OK I am absolutely going to do that -- I'll let you know how things are a month from now." Instead you were asking an almost endless series of questions, the surface interpretation of which was:
Well, I haven't decided whether I am going to do any of this or not, it all depends on eactly how much benefit you can assure me I will get out of it.
For example, asking a whole bunch of questions about your charge card was very relevant if you were very doubtful that you wanted to pay it to zero. But if you were sure you were going to do that, you took up a lot of your time and other people's time in a discussion that was irrelevant, since you were going to solve the charge card question by paying it zero.
Likewise, you seemed unsure whether you really wanted to reduce your CC utilization from 10% to under 8.99% -- you wanted first us to tell you how much scoring benefit you'd get.
At any rate, it's pleasant to discover now that you actually are certain that you'll be paying almost all your cards down to $0, including your charge card. Given that you have done that (or will be doing it), here is a recap of the advice I gave you on the other thread, to which you did not respond:
Your steps should be:
First to get your CC balances reporting the way you want them. That means a $0 charge card and either one or two credit cards showing a positive balance. Make sure that at least one of the two cards is in your name (not an AU card). And get your utilization lower than it is now. You should not count your charge card and an AU cards for your total credit limit. You want your total utilization < 8.99%. anything in the 1-8% range is fine.
At the same time that you are working on getting your balances reporting right, you should be signing up for free tools so that you can look at carefully at all three credit reports. It's unclear to me whether you are possibly only seeing your EX report. You need to be seeing your EQ and TU reports too.
Then, after all three of your reports are reflecting the new CC balances, pull all your scores at myFICO. You can do this for $30 by signing up for the 3B monitoring product. (You can then cancel it a few days later.) This will include your mortgage scores. You will then have the true mortgage scores and won't have to rely on speculation from people here regarding what they might or might not be.
The middle mortgage score will be what you care about. I think it is likely that it will be above 740 at that time. If it isn't, there's one more thing we can do, depending on what your EXperian score is. (If you pay down your loan without paying it off you can raise your EX mortgage score though not your TU/EQ scores. I think that is not a good idea to do right now because we don't know (a) if you need to do that or (b) if improving your EX score would improve your middle score.)
By improving your card balances I think you have a very good shot at having a middle score above 740.
Best of luck, pal.
