So I checked my history and you’re right, over the last 2 years the wildest swings I’ve had have been ±20, but I also haven’t spent wildly on the cards like I used to, not exceeding 50% utilized in this timeframe.

But I think a mortage being a secured loan probably reduces impact too.

(I’m not a banker or finance person, just someone who’s watched their score rollercoaster on apps in my less responsible youth lol)