My mortgage company sold my loan a few years ago and my mortgage looked paid off for 6 months before the new bank started reporting. During that time my score dropped more than 100 points. The recommendation to improve from the credit app was to “consider buying a house or taking out a mortgage”…

(that of course would have cost more in interest due to the drop in credit score)

Once the new bank started reporting it jumped more than 100 points

I also see a 20-50 point drop for every 5% under 30% of my debt ratio.

It’s all a game and the house always wins.