All this really means is that you're reporting something other than all zero balances on your revolvers, thus you are reporting non-zero utilization. This constitutes "recent use of credt cards" and means you're overcoming the 15-20 point penalty that's usually associated with all cards reporting $0 balances.
If you're allowing just 1 of your credit cards to report a $20 balance, there's nothing more you can do to help your FICO scores. A $20 reported balance on 1 card will maximize your scores with respect to the utilization sector of the FICO pie. Lowering that $20 balance to $10 or raising it to $40 will make zero difference on your FICO score.
