My overall utiliation is 5%. you want me to pay off the balance so that the utilization becomes 3%.
I wouldn't expect that to make a difference. By the way, even though FICO sort of glances at installment util, it doesn't count very heavily in your score, and it doesn't factor in the util we're always obsessing about here, which is revolving util. So in your case, this means the three CC's plus any lines of credit with CL's of under $50K or so. (Sometimes these "smaller" lines of credit are treated as revolving until their limit hits $50K or so, and then they are counted as installment loans.)
How many total accounts do you have that are open? --including mortgage, installment, etc. Try letting only one of your CC's report a balance, with the other two PIF'd. FICO likes having only half of all types of credit lines report a balance --TU scores especially.
Otherwise, don't know why they've gotten stuck. What sort of things are on your report --lates, collections, charge-offs, etc.?
I am having a similar issue, in that my scores dropped drastically after I purchased a new vehicle and acquired a new CC in the same month. Then I got spanked again for. it seems, util on my two cards. This month, I paid down both cards to 5% util and they reported the new balances correctly. My Experian score (the lowest of the three) ticked up by one point and TUC didn't budge.