It goes by credit cards bank accounts. Money borrowed an
payed off really counts. No late notices

Well first lets clear some things up with the truth. Your savings accounts have no bearing on your credit score, they do not appear on your credit report and are not reported by the banks. Also there is no such thing as debt to income ratio on a credit report. Credit reports do not show your income and are not a factor in computing ones credit score.
Debt to income is used to figure ones net worth and also considered when obtaining a mortgage.

Next, paying off the car did not lower your score. Even if you pay off a loan early, your score will rise, NOT go down.

What hurt you was your debt utilization. This is how much you owe compared to what your credit line is. When you charged the car to your credit card to pay it off you increased your ratio which lowers ones score.

Once you exceed more then 30% of your available credit your score will start to drop. That credit card with the line of $25,000 should never exceed a balance owed of $7,500 to maintain a high score.
The sooner you get your card balance down under the 30% threshold and more, your score will rise.

Debt utilization counts for 30% of your credit score.

Hope this helps answer your question.

Just a few things to mention here. Your bank account has absolutely no baring on your credit score. Your bank does NOT submit your balance to the credit bureaus. So regardless to whether you had a million or one dollar in your account it won’t help.

The reason your credit score dropped when you applied your car balance to your credit card was because you exceed your available funds. A great way to improve your score is to have a balance that is less than half of what’s available.

So pay off that credit card, if you haven’t already and that will help your score. That’s the Debt in “debt to income ratio” that’s lowering your score. Having that money in your savings account is fantastic for buying a home because it shows you can save.

Keeping money in a savings account will have little to no effect on credit score. Using credit, paying on time, is the single best thing to build credit. Your score isn’t very bad at all. But these days many lenders want only the very best borrowers. You’d be better off using the money to pay down your debts.
It wasn’t using a card to pay off the car that dropped the score, it was paying off the car that did it. Lenders want you to carry a balance and make payments. Pay at least the minimum, on time, every time. That’s how they make money. Even with a score under 700 you can get a loan if your debt to income ratio isn’t too bad. And it’s always better for your own financial security to carry as little debt as possible. I’d concern yourself with freeing up as much money as you can, pay down debts, than fretting over your credit score. When your monthly income is such that paying for a mortgage is viable you’ll find a lender without much difficulty.