Credit Card usage for max score

[homeinfuture]

I have read here on the forums that to obtain max scoring you need to have 3 cards with one reporting around 9% every month and the others at $0. My question is will this give you the max scoring with the FICOS that you can see on this site or with the FICOs that a mortgage lender would pull? I have a credit resoration guy that is helping me (Reffered by the builder I am using) He says to charge the card to $50 then just pay min payment until it gets to $0 balance (2 months) then charge $50 more and repeat... That does not sound right to me. 

[Anonymous]

Depends on what your Credit Limit is on the card. If its a low limit card then its going to be bouncing above 10% UTI every other month. If its over $500 then his method works fine. The 9% is not a 'hard number' per se, that is you don't need to remain PRECISELY at 9% each month, you just want to be below 10%.

Basically you just want to show utilization BELOW ten percent but NOT a zero balance every month. All accounts should be used periodically to prevent the account from being closed from lack of use.