How much if any, unused credit on credit card needed to raise score?

[FlyingRon]

Try www.creditboards.com. They love to obsess about FICO manipulation there.

 

[PayrollHRGuy]

I just ran my report and it was a bit lower than the free score I get with my discover card for whatever reason

That number from Discover comes from one of the three major credit reporting agency. If they are all exactly the same at any given time it is sheer, dumb luck.