<prompt> Human: TL;DR: maxed out credit card, paid in full like always, credit score dropped over 100 points. Can I fight it and win?Backstory: The wife and I have worked extremely hard to get out of debt, and have succeeded with the exception of the mortgage. We have one credit card with a 9,500 limit. We diligently pay off the card each month, taking advantage of the airline miles, for the past 5 years. Never a skipped payment, always paid in full. No delinquent accounts. Last month, however, we went over the credit card limit spending 11,000. As always, paid in full. Im not entirely sure how we were even allowed to exceed the limit, I mean its called a limit. I admit I hadnt paid close enough attention to our spending last month, uncharacteristic of me. For that I am guilty. I check my credit about every 3-4 months just to be in the know. Much to my shock, I checked yesterday and my credit score of 750 fell to 640!How is this even possible? I know behaviors affect scores but this drastically? And for simply over-utilization of credit that was immediately paid in full?Do I have any rights to dispute this? Thanks for reading!Edit: Thanks for the reassurance everyone. Deep breaths completed. Weve worked hard to get on the right side of our finances and was worried the work had been lost. Again, thank you all for giving me some piece of mind.  <response>: Give it another month until the next time your balance is reported, if you paid off that 11k, your score will bounce back.Utilization has NO memory. Nothing to fight.If you dont know what utilization is, read the credit tab on the sidebar. 