It's strange how my EX FICO 2 is locked into toggling between 2 scores 11 points apart... 708 and 719.
There's no middle ground.
Every time the number of accounts with balances drops to 12 I go up to 719. Every time it goes above 12 I go down to 708.
Today I was suprised to see it drop from 719 to 708, since I thought I had 12 or less reporting today.
But the monkeys at Discover decided to issue me a refund before charging me interest, so that I wound up with an $18 balance 
@Anonymous wrote:What percentage threshold is being crossed when moving from 12 --> 13?
That's what I'm trying to figure out. I had been thinking 40% was the magic number but it's not. These were both under 40%. It went from 35.xx% to 38.xx%.
Have you found any other number of accounts with balances thresholds either above or below that point and if so, was the swing greater/less than the 11 points you're seeing at your current threshold point?
It's gone up to 14, and I believe 15, but there was no point movement. Similarly I think it's gone down to 10, again with no point movement.
When I had less than 10, it was before my daily experian.com monitoring.
Today my 11 points came back when the number of accounts with balance dropped from 13 to 11.
@Anonymous wrote:SJ, any chance at some point you'll be taking your number of accounts with balances to a significantly higher or lower (say, 18 or 5, for example) in order to see if you find any other drop/gain points?
Yes. I'm trying to get it lower, hoping to get it down to 5 in the short term (4 revolvers +1 installment), 2 in the long term (1 revolver + 1 installment). But I don't know whether I'll accomplish either of those objectives.