It is ridiculous, but by balance transfering from two zero balance credti cards (going to 65% on both) and paying down a HELOC to 65%, my FICO 8 score went from 735 to 824 in one week. This makes no sense - why in the world does FICO make money off this crap. I am most curious what it does to my FICO 2, but guess I will have to pay for that...
