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Nona

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How do I fix a closed credit card showing "Over Utilization" if it can't be used?
This card was paid several years ago at a negotiated rate. It has been closed since then and showed closed on my credit report. However Credit Karma said that due to Over Utilization my score went down a couple points. How can a closed card have over utilization when it can't be used?

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Top Contributor
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Does it show a zero balance? If it does, disregard the information the Credit Karma is giving you and check your credit scores and reports with some other sites. If the account is showing a balance then dispute the balance with the credit bureaus if you settled the amount years ago.

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