The ocde that you referred to is stating that your high credit use is impacting your score. You want to keep your total balance(s) under 10% of your total credit limits. The higher the credit util the greater impact on the score.
Equifax My FICO score 815 5/28/2012. Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013
