You are very welcome.
"Ok, so my is no closing of any accounts, just moving funds into the better interest rates."
Yes, do not close any accounts. Longevity of credit is one of the variables in the scoring model. Rather than "moving funds" you are "moving debt" from one card to another. By doing so, you "balance out" the use of your credit. The scoring model would rather see a 50/50 split between two cards as opposed to having a single card being maxed-out. Credit scores seek to grade one's ability to manage debt.
"I will want to pull my own tri-score now, to have my Bank lending official give me some consulting on what I can finance. When the time gets serious for my home purchase (it's the home I'm living in now, and I want no other!) then I will have my mortgage broker pull my "tri-merge" credit report for the real thing."
Personally, I would advise that you seek out a Mortgage Broker (not a Retail Bank) and have them pull a tri-merge credit report now so you have time to work on any issues that are identified. As just one example, it is quite common to have items show up on one's credit report due to â€œalias name" issues (names similar to yours but are not you).
I also agree with Robin regarding her last post (re: one credit account), this could be an issue for you if not addressed!