How are over the limits scored by FICO?

[money_talks]

One of my CCs was reported with an over the limit balance at statement closing date. Besides raising a red flag internally with my creditor and also hurting my score due to high UTIL, does FICO ding me even more for having over 100% balance on a single account? Does the FICO score keep a history of any reported over the limits and will it keep hurting your score from month to month even though you bring the balance under the limit on the next closing date?

I do know the CRs have something like a "highest balance". So as long as my CL remains the same as today, anyone looking at my CR on a manual review will know I was over the limit on this card. The only way to fix this is getting a CLI in the future and staying under the new CL.

[Revelate]

High balance isn't factored into FICO with the exception of cards which do not report a limit, and there aren't many left of those if any these days.

As a result, won't have any impact on your scoring.  Wouldn't worry about it.