Plugging Along Then Increase Then Decrease...

I'm thinking sometimes it's best not to focus... I'll just start at September 25 where I was at 801 for Fico 8... A few updates had me at 801 until I lost 6, so obviously 795. Every update until end of October was nothing until I got 6 back, so back to 801 I went!

Stayed at 801 until February 1st, when I went up 12 to 813; great news am I right?! Well 8 days later down she went to 804 when I lost 9 points.

Now the details when I pull at the drop down on all of them states:

• What's hurting your score?
  • Loan balances
  • Short revolving history
  • High credit usage
  • Accounts with balances

Now by loan balances I imagine they mean my student loans; because I only use one main CC and usually have that paid off every month. But the reason I'm unsure if they mean my student loans is because I owe A LOT, and would think if that actually counted I'd have no credit whatsoever, as I have them deferred for the time being... So first what am I missing?!

As for the short revolving history, I did open up my AMEX (main CC) last February, and learned from y'all a bit after (thank you:) how that dings the score but it comes back after a year... So I'm wondering will the score rebound a bit after this month? (If like, that's even predictable!) Or was the increase of 12 points on 02/01 the recovery from opening the AMEX last Feb?

High credit usage doesn't make sense, again I keep everything low or paid off. And Accounts w\ balances would again relate to my student loans, I think.

I guess this post just comes from a sense of frustration, as I wouldn't think any increases or decreases are completely random, but clearly I'm seeking clarification with my questions above... Hopefully this makes sense!:)