Balance is a separate FICO code. Sometimes you'll see a reason code saying "the balances on your revolving accounts are too high".

Per util, ideally you'd want to have all CCs at $0 but one and get the one to under 9% of the CL. YMMV on everyone's credit of course. But I personally have seen a negative comment of high util at 16 or 18% (I'd have to dig up old reports...def. under 20%). It's YMMV on your credit and scoring bucket. Some can have high util at 50% and not see the comment.

Ok thanks. Do you think that if the average utilzation percentage is around 75%, down from 99%, the average on 6 revolving accounts, that the score will go up some what (a little)?? 

Probably not, unless FICO saw any card at 100% or more as maxed. If util is listed as a top one or two neg. item on the FICO report, and if someone with 99% has a solid mix of credit (3 or more CCs), then that person probably won't see any gains until the card hits below 50%, and will rapidly see increases below that threshold, especially below 20%-30%.