Pay any credit lines down to less than 79% debt to maximum high credit limit

Can you please explain this to me?: Pay any credit lines down to less than 79% debt to maximum high credit limit. If I bought a car or home in the past year or so, my score will be lower because I owe the total I could borrow. One could borrow the total amount and pay the down payment after the loan originates to pre-empt lower scores with car loans.
Raise credit score 30 – 100 points in less than 5 days
 
I don’t really understand math too well. Can you please tell me how to pay the following according to what you said above?:
 
I have 2 credit cards on my report. One is a Tribute MasterCard which I owe $725 on and the other is a 1st Premier MasterCard which I owe $423 on.  
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well
what is your credit limit on these cards
take you limit
say 2000 for 725
 
take 725 divide it by 2000 = .36
or 36 percent
 
number should be less than 79 across the board