High balance over credit limit

[Anonymous]

If you have gone over your credit limit, will your credit score go up if you improve your credit limit so it doesn't look like you've gone over it? Will it not matter if the card is now current?

[NRB525]

It will not matter in the score if the card is now current. "High balance" is a historical number that can be disconnected from the current credit line, so is not a factor in FICO scoring.

[Anonymous]

thank you! your credit portfolio is impressive 

[Anonymous]

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@NRB525 wrote:

It will not matter in the score if the card is now current. "High balance" is a historical number that can be disconnected from the current credit line, so is not a factor in FICO scoring.

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This is correct, and I actually have an example that demonstrates this. My closed Juniper card shows a credit line of $500 and a high balance of $1018. No impact. (Note: it shows that because I transferred the CL over to my Sallie Mae and Barclay dropped the Juniper to $500).

[NRB525]

Here's my example, summarizing my CR from late in 2014, comparing the Current CL on each card to that card reported High Balance. Most of these cards had plain old CLD from higher limits:

[Anonymous]

thank you super helpful to know!