Check again the scores with your 3-in-1 report. You'll notice they're not labeled as fico scores. Sometimes as Plus+ scores, and other things. In other terms they may be (potentially) useful for you as an idea of your report, but they are absolutely useless as far as lending decisions by creditors.
Depends. Your balances are completely irrelevant to your score, just the ratio of the balances to the limits (both combined and for each tradeline).