The seeming paradox is that the best credit scores go to people that don't take full advantage of credit.
Right, also, to keep your 'utilization' down, all you need to do is open a new credit card to raise the credit limit of yourself...
I have a high credit score because I credit card churn. My available credit is massive, and I probably hurt the credit card companies overall due to taking rewards without paying interest... Yet, they rank me as one of the best borrowers, further shooting themselves in the foot.