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So i checked my report(s) and it shows on 2 of my cards that i went over my limits by $6 and $22, this happened a while back when my card numbers were stolen and i disputed the charges with my companies and had it all reversed, but when i contacted Equifax to dispute this, they wont change it, they said the companies confirmed that i went over, when it wasnt me. So my question is how bad is this for when a creditor reviews my file? I plan on applying for a new card or two in 2015, and these charges happened around July or so. So in about 1 yr i will apply for a new card, will i be fine? OR will this prevent me from being approved?
I don't see it as a problem
I hope not, because its irritating that theres crummy people that will ruin ya.
only current balance to credit limit is going to matter.
I have had credit limits reduced... I was AU on an American Express account that use to show credit limit $500 and high balance of $26k!!! but the current balance was $0, it just doesn't matter.
It might even be a good thing. It shows other lenders that you can max out your lines and still pay them off.