Awww... Thanks! 
Luckily for me, just reading yours (and everyone elses) solid advice has brought me this far. You just don't know how far you guys had to drag me from the fire! The FICO train is a luxury liner. I'm really glad that I hopped onboard.
@Anonymous wrote:I just $97 to report a balance on one account, and good payment history), I'll be between 712-722 in one month.
Did you actually put in varying amounts to determine that if you had a balance lower than $97, the score would be slightly lower?
That anomaly actually does take place in real life FICO scores.
Here is what I would do. Go back and play with the calculator and find the balance range that would generate the highest score. Then pick a balance in the middle of the range and allow that exact amount to report on one and only one tradeline.
That is one way of getting as close as possible to optimum utilization as possible.
Congrats on being on the 700 threshold.
Also congrats on discovering a FICO anomaly few people are aware of....There is an optimum balance to be posted for maximum FICO benefit.
Having a balance below that amount will lower the FICO score by a few points. That amount varies depending upon your credit file. It is some (undetermined) utilization percentage value (possibly below 1%).
Byrdman used the term "sweet spot" in discussions about the issue in the past.
An example of the FICO quirk is as follows. Roughly speaking, if you have a balance of $50 instead of $97 your actual FICO score will be a few points lower.
To be sure of the best balance to have, go back and insert balances into the simulator in $1 or $5 increments above and below $97 and compare the resulting score ranges. When you enter a single dollar in the blank space,for balance, there will be a lower score range than when you enter a particular higher balance. I am assuming that is how you arrived at $97.
After you allow your optimal balance to report and you receive your new credit score you can allow balances slightly higher and lower to report in the future while checking resulting scores. You would then know the best balance to report when you are seeking maximum FICO scores, like before applying for a mortgage.
We are only talking about a score saving of 3-10 points. That may not be worth the effort on your part to determine your own actual threshold "number". I just wanted to mention how you can take your simulator adventure to a slightly higher level of "intellectual inquisitiveness".