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How long term is the effect of high util? If I'm high this month and lose points, would I gain them back again next month by paying off the balance?
*is there any long term effect of the % being up and down from month to month?
No long term affect at all. You are scored for what is reported.
If you are 90% this month that is what you are scored on. If you are 7% next month, that is what you are scored on.
I only have one CC should it report 0% or less than 9%?
9% or less. YMMV so you can tinker around with the %.