My Sears card had a limit of 1000 but in Dec of 07 I went over the limit to 1251. Since then I have paid it down to under one hundred dollars. The high balance is stil at 1251 though, how much is that hurting my score and for how long ??
Credit Limit/Original Amount: $1,000
High Balance: $1,251
TransUnion 684 Equifax 658 Experian 678 Never Too Late ~ Never Give Up
I dont think it is affecting your score at all. FICO scores don't know about past util. Someone will see it if the read your CR but I think they only people who might (I say might) have an issue is the CCC you went over limit on.
They only potentail FICO score affect I see is if the CCC lowers your CL or raise your ionterest rate.