USING MORE THAN 30% OF YOUR LIMIT.USING MORE THAN 30% OF YOUR LIMIT.Let’s say your credit limit is $5,000, and last month you charged $4,500. When the bill came around, you paid it off in full. Good, right? Wrong. Maxing out your credit card — even if you can afford to — only stands to hurt your credit score. Use just 30 percent of your credit card limit to boost your credit score.USING MORE THAN 30% OF YOUR LIMIT.Let’s say your credit limit is $5,000, and last month you charged $4,500. When the bill came around, you paid it off in full. Good, right? Wrong. Maxing out your credit card — even if you can afford to — only stands to hurt your credit score. Use just 30 percent of your credit card limit to boost your credit score.
Apparently they don't understand that the moment that 0% usage reports, FICO has completely forgotten about the 90% usage in the past...
Otherwise, yeah that article is the equivalent of spending about 10 minutes in these forums 
Starting Score: EQ: 665 - TU: 687