Equifax FICO...figure this one out

i pulled an equifax fico on 10-11-03 and 11-01-03. on both i have a 695. on the report from 11-01-03 the differences are:

revolving debt goes from $1638 - $990 (only 2 cards have balances)
one cc limit goes from $2000 - $2700 (one of the cards with balances)
credit history goes from 35 months to 3 years (a landmark i hear)
inquires go from 0 - 2 in past 6 months (13 in 2 years)
and of course 1 month aging on all accounts

and here is one negative thing about my history that makes me laugh

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The proportion of balances to credit limits on your revolving/charge accounts is too high
The proportion of balances to credit limits on your revolving/charge accounts is 24%. The average proportion of balances to credit limits on revolving/charge accounts carried by U.S. consumers is around 34%.

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so if im below the average, whats the problem. and i thought 24% was low anyway.

so do 2 inquiries hurt me so much that they take away the other 3 good changes i have. and isnt it ironic that i get the same score.
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FICO scores as of 10-03
Equifax 695
Experian 680
Transunion 679