is it true that to acheive the optimal credit score you must have your liabilities at 37% of the high limit?

i have a friend that is a loan broker and he talked to the poeple at Landsfe credit agency and they told him that to get the best credit score you must have a certain amount of outstanding debt. not too much, but not too little. they said the magic number is 37% of your total borrowing power, is this true? for instance if you have a credit card and your credit line is for $1,000, to help get the highest possible credit score you must try to keep your balance at $370. does this make sense? lets say for example that all other variables on your credit report are current and paid on time, by doing this will it help increase your credit score? does anybody really know? i've heard that the formula that calculates the score is so complex that nobody really knows. thank you so much for taking the time to answer this question.

Public Comments

1. they look at the highest fico score ,,,and the best way to have a good fico score is to owe zero... now typ you should stay below 20% ...becuase no activity is not good either...trust me im a fico freak and have experimented ..whenever i pay my card down score always shoots up ..