My TU report shows a couple accounts where I went over the limit by a small amount. I am below the limit on all of my cards now and my report reflects that. Will having gone over the limit in the past affect my FICO score? On another note, I got my TU report back today after disputes. I called and asked for my FICO score. She would not give it to me over the phone but said she would mail it today. At least it is free. I have been putting it off. I guess I am ready for the bad news.
My understanding is that it would have effected your score then, but not now. The ratios of debt to credit limit are floating, changing as the amounts are updated, but no history is kept on past balances.
