Tips to bump up score little bit

I am wondering what my strategy should be to bump it up a little. I looked and consistently myfico shows that even a small payment/balance decrease bumps it up but even a small charge of like $15.00 drops a few points. Hence, I'm running all my cards at 0. Here's what I don't get: a mortgage hard pull INCREASED my score 11 pts!!? Can anyone explain this??? The exact same item reporting in March bumped it 8 points and then in June dropped it 11. I'm losing it here trying to understand. We are tight for an FHA so the slightest change could tip us. I have some lates being deleted, hopefully that will bump it up again.

I am wondering what my strategy should be to bump it up a little. I looked and consistently myfico shows that even a small payment/balance decrease bumps it up but even a small charge of like $15.00 drops a few points. Hence, I'm running all my cards at 0. Here's what I don't get: a mortgage hard pull INCREASED my score 11 pts!!? Can anyone explain this??? The exact same item reporting in March bumped it 8 points and then in June dropped it 11. I'm losing it here trying to understand. We are tight for an FHA so the slightest change could tip us. I have some lates being deleted, hopefully that will bump it up again.

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